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$136,586
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,835
−HK$4,316/mo
Today · 4.125%
HK$145,151
baseline
▲ 0.50% · 4.625%
HK$153,983
+HK$8,832/mo
Deposit HK$29.95M · loan HK$29.95M · min. income ≈ HK$290,302/mo (50% DSR)
Upfront cash ≈ HK$32.50M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,950
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$156,026
−HK$4,134/mo
Today · 4.125%
HK$160,160
baseline
▲ 0.50% · 4.625%
HK$168,602
+HK$8,442/mo
Deposit HK$29.95M · loan HK$29.95M · min. income ≈ HK$320,320/mo (50% DSR)
Upfront cash ≈ HK$32.50M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,903
−HK$10,278/mo
▼ 0.25% · 3.875%
HK$169,001
−HK$5,180/mo
Today · 4.125%
HK$174,181
baseline
▲ 0.50% · 4.625%
HK$184,780
+HK$10,599/mo
Deposit HK$23.96M · loan HK$35.94M · min. income ≈ HK$348,362/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,341
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$187,231
−HK$4,961/mo
Today · 4.125%
HK$192,192
baseline
▲ 0.50% · 4.625%
HK$202,323
+HK$10,131/mo
Deposit HK$23.96M · loan HK$35.94M · min. income ≈ HK$384,384/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,220
−HK$11,991/mo
▼ 0.25% · 3.875%
HK$197,168
−HK$6,043/mo
Today · 4.125%
HK$203,211
baseline
▲ 0.50% · 4.625%
HK$215,576
+HK$12,365/mo
Deposit HK$17.97M · loan HK$41.93M · min. income ≈ HK$406,422/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,731
−HK$11,493/mo
▼ 0.25% · 3.875%
HK$218,436
−HK$5,788/mo
Today · 4.125%
HK$224,224
baseline
▲ 0.50% · 4.625%
HK$236,043
+HK$11,819/mo
Deposit HK$17.97M · loan HK$41.93M · min. income ≈ HK$448,448/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,855
−HK$15,417/mo
▼ 0.25% · 3.875%
HK$253,502
−HK$7,770/mo
Today · 4.125%
HK$261,272
baseline
▲ 0.50% · 4.625%
HK$277,170
+HK$15,898/mo
Deposit HK$5.99M · loan HK$53.91M · min. income ≈ HK$522,544/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,511
−HK$14,777/mo
▼ 0.25% · 3.875%
HK$280,846
−HK$7,442/mo
Today · 4.125%
HK$288,288
baseline
▲ 0.50% · 4.625%
HK$303,484
+HK$15,196/mo
Deposit HK$5.99M · loan HK$53.91M · min. income ≈ HK$576,576/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,545,724 · Scale 2, in force from 26 Feb 2026)