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$135,931
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$140,159
−HK$4,296/mo
Today · 4.125%
HK$144,455
baseline
▲ 0.50% · 4.625%
HK$153,245
+HK$8,790/mo
Deposit HK$29.81M · loan HK$29.81M · min. income ≈ HK$288,910/mo (50% DSR)
Upfront cash ≈ HK$32.34M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,222
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$155,277
−HK$4,115/mo
Today · 4.125%
HK$159,392
baseline
▲ 0.50% · 4.625%
HK$167,794
+HK$8,402/mo
Deposit HK$29.81M · loan HK$29.81M · min. income ≈ HK$318,784/mo (50% DSR)
Upfront cash ≈ HK$32.34M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,117
−HK$10,229/mo
▼ 0.25% · 3.875%
HK$168,191
−HK$5,155/mo
Today · 4.125%
HK$173,346
baseline
▲ 0.50% · 4.625%
HK$183,894
+HK$10,548/mo
Deposit HK$23.84M · loan HK$35.77M · min. income ≈ HK$346,692/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,466
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$186,333
−HK$4,937/mo
Today · 4.125%
HK$191,270
baseline
▲ 0.50% · 4.625%
HK$201,352
+HK$10,082/mo
Deposit HK$23.84M · loan HK$35.77M · min. income ≈ HK$382,540/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,303
−HK$11,934/mo
▼ 0.25% · 3.875%
HK$196,223
−HK$6,014/mo
Today · 4.125%
HK$202,237
baseline
▲ 0.50% · 4.625%
HK$214,543
+HK$12,306/mo
Deposit HK$17.88M · loan HK$41.73M · min. income ≈ HK$404,474/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,710
−HK$11,438/mo
▼ 0.25% · 3.875%
HK$217,388
−HK$5,760/mo
Today · 4.125%
HK$223,148
baseline
▲ 0.50% · 4.625%
HK$234,911
+HK$11,763/mo
Deposit HK$17.88M · loan HK$41.73M · min. income ≈ HK$446,296/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,676
−HK$15,343/mo
▼ 0.25% · 3.875%
HK$252,286
−HK$7,733/mo
Today · 4.125%
HK$260,019
baseline
▲ 0.50% · 4.625%
HK$275,840
+HK$15,821/mo
Deposit HK$5.96M · loan HK$53.65M · min. income ≈ HK$520,038/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,199
−HK$14,706/mo
▼ 0.25% · 3.875%
HK$279,499
−HK$7,406/mo
Today · 4.125%
HK$286,905
baseline
▲ 0.50% · 4.625%
HK$302,028
+HK$15,123/mo
Deposit HK$5.96M · loan HK$53.65M · min. income ≈ HK$573,810/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,533,514 · Scale 2, in force from 26 Feb 2026)