The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$136,023
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$140,254
−HK$4,298/mo
Today · 4.125%
HK$144,552
baseline
▲ 0.50% · 4.625%
HK$153,348
+HK$8,796/mo
Deposit HK$29.83M · loan HK$29.83M · min. income ≈ HK$289,104/mo (50% DSR)
Upfront cash ≈ HK$32.36M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,324
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$155,382
−HK$4,117/mo
Today · 4.125%
HK$159,499
baseline
▲ 0.50% · 4.625%
HK$167,907
+HK$8,408/mo
Deposit HK$29.83M · loan HK$29.83M · min. income ≈ HK$318,998/mo (50% DSR)
Upfront cash ≈ HK$32.36M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,227
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$168,304
−HK$5,159/mo
Today · 4.125%
HK$173,463
baseline
▲ 0.50% · 4.625%
HK$184,018
+HK$10,555/mo
Deposit HK$23.86M · loan HK$35.79M · min. income ≈ HK$346,926/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,589
−HK$9,810/mo
▼ 0.25% · 3.875%
HK$186,459
−HK$4,940/mo
Today · 4.125%
HK$191,399
baseline
▲ 0.50% · 4.625%
HK$201,488
+HK$10,089/mo
Deposit HK$23.86M · loan HK$35.79M · min. income ≈ HK$382,798/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,432
−HK$11,941/mo
▼ 0.25% · 3.875%
HK$196,355
−HK$6,018/mo
Today · 4.125%
HK$202,373
baseline
▲ 0.50% · 4.625%
HK$214,687
+HK$12,314/mo
Deposit HK$17.90M · loan HK$41.76M · min. income ≈ HK$404,746/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,853
−HK$11,446/mo
▼ 0.25% · 3.875%
HK$217,535
−HK$5,764/mo
Today · 4.125%
HK$223,299
baseline
▲ 0.50% · 4.625%
HK$235,069
+HK$11,770/mo
Deposit HK$17.90M · loan HK$41.76M · min. income ≈ HK$446,598/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,841
−HK$15,353/mo
▼ 0.25% · 3.875%
HK$252,457
−HK$7,737/mo
Today · 4.125%
HK$260,194
baseline
▲ 0.50% · 4.625%
HK$276,027
+HK$15,833/mo
Deposit HK$5.97M · loan HK$53.69M · min. income ≈ HK$520,388/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,383
−HK$14,716/mo
▼ 0.25% · 3.875%
HK$279,688
−HK$7,411/mo
Today · 4.125%
HK$287,099
baseline
▲ 0.50% · 4.625%
HK$302,232
+HK$15,133/mo
Deposit HK$5.97M · loan HK$53.69M · min. income ≈ HK$574,198/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,535,225 · Scale 2, in force from 26 Feb 2026)