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$132,967
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,103
−HK$4,202/mo
Today · 4.125%
HK$141,305
baseline
▲ 0.50% · 4.625%
HK$149,903
+HK$8,598/mo
Deposit HK$29.16M · loan HK$29.16M · min. income ≈ HK$282,610/mo (50% DSR)
Upfront cash ≈ HK$31.63M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,924
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,891
−HK$4,025/mo
Today · 4.125%
HK$155,916
baseline
▲ 0.50% · 4.625%
HK$164,135
+HK$8,219/mo
Deposit HK$29.16M · loan HK$29.16M · min. income ≈ HK$311,832/mo (50% DSR)
Upfront cash ≈ HK$31.63M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,560
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$164,523
−HK$5,043/mo
Today · 4.125%
HK$169,566
baseline
▲ 0.50% · 4.625%
HK$179,884
+HK$10,318/mo
Deposit HK$23.32M · loan HK$34.99M · min. income ≈ HK$339,132/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,509
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$182,270
−HK$4,829/mo
Today · 4.125%
HK$187,099
baseline
▲ 0.50% · 4.625%
HK$196,962
+HK$9,863/mo
Deposit HK$23.32M · loan HK$34.99M · min. income ≈ HK$374,198/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,153
−HK$11,674/mo
▼ 0.25% · 3.875%
HK$191,944
−HK$5,883/mo
Today · 4.125%
HK$197,827
baseline
▲ 0.50% · 4.625%
HK$209,864
+HK$12,037/mo
Deposit HK$17.49M · loan HK$40.82M · min. income ≈ HK$395,654/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,094
−HK$11,189/mo
▼ 0.25% · 3.875%
HK$212,648
−HK$5,635/mo
Today · 4.125%
HK$218,283
baseline
▲ 0.50% · 4.625%
HK$229,788
+HK$11,505/mo
Deposit HK$17.49M · loan HK$40.82M · min. income ≈ HK$436,566/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,340
−HK$15,009/mo
▼ 0.25% · 3.875%
HK$246,785
−HK$7,564/mo
Today · 4.125%
HK$254,349
baseline
▲ 0.50% · 4.625%
HK$269,825
+HK$15,476/mo
Deposit HK$5.83M · loan HK$52.48M · min. income ≈ HK$508,698/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,264
−HK$14,385/mo
▼ 0.25% · 3.875%
HK$273,405
−HK$7,244/mo
Today · 4.125%
HK$280,649
baseline
▲ 0.50% · 4.625%
HK$295,442
+HK$14,793/mo
Deposit HK$5.83M · loan HK$52.48M · min. income ≈ HK$561,298/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,269 · Scale 2, in force from 26 Feb 2026)