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$133,605
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,761
−HK$4,222/mo
Today · 4.125%
HK$141,983
baseline
▲ 0.50% · 4.625%
HK$150,623
+HK$8,640/mo
Deposit HK$29.30M · loan HK$29.30M · min. income ≈ HK$283,966/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,634
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,621
−HK$4,043/mo
Today · 4.125%
HK$156,664
baseline
▲ 0.50% · 4.625%
HK$164,922
+HK$8,258/mo
Deposit HK$29.30M · loan HK$29.30M · min. income ≈ HK$313,328/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,326
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$165,313
−HK$5,067/mo
Today · 4.125%
HK$170,380
baseline
▲ 0.50% · 4.625%
HK$180,747
+HK$10,367/mo
Deposit HK$23.44M · loan HK$35.16M · min. income ≈ HK$340,760/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,361
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,145
−HK$4,852/mo
Today · 4.125%
HK$187,997
baseline
▲ 0.50% · 4.625%
HK$197,907
+HK$9,910/mo
Deposit HK$23.44M · loan HK$35.16M · min. income ≈ HK$375,994/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,047
−HK$11,730/mo
▼ 0.25% · 3.875%
HK$192,865
−HK$5,912/mo
Today · 4.125%
HK$198,777
baseline
▲ 0.50% · 4.625%
HK$210,872
+HK$12,095/mo
Deposit HK$17.58M · loan HK$41.01M · min. income ≈ HK$397,554/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,088
−HK$11,242/mo
▼ 0.25% · 3.875%
HK$213,669
−HK$5,661/mo
Today · 4.125%
HK$219,330
baseline
▲ 0.50% · 4.625%
HK$230,891
+HK$11,561/mo
Deposit HK$17.58M · loan HK$41.01M · min. income ≈ HK$438,660/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,489
−HK$15,081/mo
▼ 0.25% · 3.875%
HK$247,970
−HK$7,600/mo
Today · 4.125%
HK$255,570
baseline
▲ 0.50% · 4.625%
HK$271,121
+HK$15,551/mo
Deposit HK$5.86M · loan HK$52.73M · min. income ≈ HK$511,140/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,542
−HK$14,454/mo
▼ 0.25% · 3.875%
HK$274,717
−HK$7,279/mo
Today · 4.125%
HK$281,996
baseline
▲ 0.50% · 4.625%
HK$296,860
+HK$14,864/mo
Deposit HK$5.86M · loan HK$52.73M · min. income ≈ HK$563,992/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$2,490,165 · Scale 2, in force from 26 Feb 2026)