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$134,321
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$138,499
−HK$4,245/mo
Today · 4.125%
HK$142,744
baseline
▲ 0.50% · 4.625%
HK$151,429
+HK$8,685/mo
Deposit HK$29.45M · loan HK$29.45M · min. income ≈ HK$285,488/mo (50% DSR)
Upfront cash ≈ HK$31.96M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,430
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,438
−HK$4,065/mo
Today · 4.125%
HK$157,503
baseline
▲ 0.50% · 4.625%
HK$165,806
+HK$8,303/mo
Deposit HK$29.45M · loan HK$29.45M · min. income ≈ HK$315,006/mo (50% DSR)
Upfront cash ≈ HK$31.96M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,185
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,198
−HK$5,094/mo
Today · 4.125%
HK$171,292
baseline
▲ 0.50% · 4.625%
HK$181,715
+HK$10,423/mo
Deposit HK$23.56M · loan HK$35.34M · min. income ≈ HK$342,584/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,316
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$184,125
−HK$4,879/mo
Today · 4.125%
HK$189,004
baseline
▲ 0.50% · 4.625%
HK$198,967
+HK$9,963/mo
Deposit HK$23.56M · loan HK$35.34M · min. income ≈ HK$378,008/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,049
−HK$11,792/mo
▼ 0.25% · 3.875%
HK$193,898
−HK$5,943/mo
Today · 4.125%
HK$199,841
baseline
▲ 0.50% · 4.625%
HK$212,001
+HK$12,160/mo
Deposit HK$17.67M · loan HK$41.23M · min. income ≈ HK$399,682/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,202
−HK$11,303/mo
▼ 0.25% · 3.875%
HK$214,813
−HK$5,692/mo
Today · 4.125%
HK$220,505
baseline
▲ 0.50% · 4.625%
HK$232,128
+HK$11,623/mo
Deposit HK$17.67M · loan HK$41.23M · min. income ≈ HK$441,010/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,777
−HK$15,161/mo
▼ 0.25% · 3.875%
HK$249,298
−HK$7,640/mo
Today · 4.125%
HK$256,938
baseline
▲ 0.50% · 4.625%
HK$272,573
+HK$15,635/mo
Deposit HK$5.89M · loan HK$53.02M · min. income ≈ HK$513,876/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,974
−HK$14,532/mo
▼ 0.25% · 3.875%
HK$276,188
−HK$7,318/mo
Today · 4.125%
HK$283,506
baseline
▲ 0.50% · 4.625%
HK$298,450
+HK$14,944/mo
Deposit HK$5.89M · loan HK$53.02M · min. income ≈ HK$567,012/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$2,503,500 · Scale 2, in force from 26 Feb 2026)