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$133,410
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$137,560
−HK$4,216/mo
Today · 4.125%
HK$141,776
baseline
▲ 0.50% · 4.625%
HK$150,403
+HK$8,627/mo
Deposit HK$29.25M · loan HK$29.25M · min. income ≈ HK$283,552/mo (50% DSR)
Upfront cash ≈ HK$31.74M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,418
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,398
−HK$4,038/mo
Today · 4.125%
HK$156,436
baseline
▲ 0.50% · 4.625%
HK$164,682
+HK$8,246/mo
Deposit HK$29.25M · loan HK$29.25M · min. income ≈ HK$312,872/mo (50% DSR)
Upfront cash ≈ HK$31.74M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,093
−HK$10,039/mo
▼ 0.25% · 3.875%
HK$165,072
−HK$5,060/mo
Today · 4.125%
HK$170,132
baseline
▲ 0.50% · 4.625%
HK$180,484
+HK$10,352/mo
Deposit HK$23.40M · loan HK$35.10M · min. income ≈ HK$340,264/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,101
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$182,878
−HK$4,846/mo
Today · 4.125%
HK$187,724
baseline
▲ 0.50% · 4.625%
HK$197,619
+HK$9,895/mo
Deposit HK$23.40M · loan HK$35.10M · min. income ≈ HK$375,448/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,775
−HK$11,712/mo
▼ 0.25% · 3.875%
HK$192,584
−HK$5,903/mo
Today · 4.125%
HK$198,487
baseline
▲ 0.50% · 4.625%
HK$210,565
+HK$12,078/mo
Deposit HK$17.55M · loan HK$40.95M · min. income ≈ HK$396,974/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,785
−HK$11,226/mo
▼ 0.25% · 3.875%
HK$213,358
−HK$5,653/mo
Today · 4.125%
HK$219,011
baseline
▲ 0.50% · 4.625%
HK$230,555
+HK$11,544/mo
Deposit HK$17.55M · loan HK$40.95M · min. income ≈ HK$438,022/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,139
−HK$15,059/mo
▼ 0.25% · 3.875%
HK$247,609
−HK$7,589/mo
Today · 4.125%
HK$255,198
baseline
▲ 0.50% · 4.625%
HK$270,726
+HK$15,528/mo
Deposit HK$5.85M · loan HK$52.66M · min. income ≈ HK$510,396/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,152
−HK$14,433/mo
▼ 0.25% · 3.875%
HK$274,317
−HK$7,268/mo
Today · 4.125%
HK$281,585
baseline
▲ 0.50% · 4.625%
HK$296,428
+HK$14,843/mo
Deposit HK$5.85M · loan HK$52.66M · min. income ≈ HK$563,170/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,486,539 · Scale 2, in force from 26 Feb 2026)