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$132,322
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,438
−HK$4,182/mo
Today · 4.125%
HK$140,620
baseline
▲ 0.50% · 4.625%
HK$149,176
+HK$8,556/mo
Deposit HK$29.01M · loan HK$29.01M · min. income ≈ HK$281,240/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,207
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,155
−HK$4,005/mo
Today · 4.125%
HK$155,160
baseline
▲ 0.50% · 4.625%
HK$163,339
+HK$8,179/mo
Deposit HK$29.01M · loan HK$29.01M · min. income ≈ HK$310,320/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,787
−HK$9,957/mo
▼ 0.25% · 3.875%
HK$163,726
−HK$5,018/mo
Today · 4.125%
HK$168,744
baseline
▲ 0.50% · 4.625%
HK$179,011
+HK$10,267/mo
Deposit HK$23.21M · loan HK$34.82M · min. income ≈ HK$337,488/mo (50% DSR)
Upfront cash ≈ HK$25.68M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,648
−HK$9,544/mo
▼ 0.25% · 3.875%
HK$181,386
−HK$4,806/mo
Today · 4.125%
HK$186,192
baseline
▲ 0.50% · 4.625%
HK$196,007
+HK$9,815/mo
Deposit HK$23.21M · loan HK$34.82M · min. income ≈ HK$372,384/mo (50% DSR)
Upfront cash ≈ HK$25.68M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,251
−HK$11,617/mo
▼ 0.25% · 3.875%
HK$191,013
−HK$5,855/mo
Today · 4.125%
HK$196,868
baseline
▲ 0.50% · 4.625%
HK$208,847
+HK$11,979/mo
Deposit HK$17.41M · loan HK$40.62M · min. income ≈ HK$393,736/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,090
−HK$11,134/mo
▼ 0.25% · 3.875%
HK$211,617
−HK$5,607/mo
Today · 4.125%
HK$217,224
baseline
▲ 0.50% · 4.625%
HK$228,674
+HK$11,450/mo
Deposit HK$17.41M · loan HK$40.62M · min. income ≈ HK$434,448/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,180
−HK$14,936/mo
▼ 0.25% · 3.875%
HK$245,589
−HK$7,527/mo
Today · 4.125%
HK$253,116
baseline
▲ 0.50% · 4.625%
HK$268,517
+HK$15,401/mo
Deposit HK$5.80M · loan HK$52.23M · min. income ≈ HK$506,232/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,973
−HK$14,315/mo
▼ 0.25% · 3.875%
HK$272,079
−HK$7,209/mo
Today · 4.125%
HK$279,288
baseline
▲ 0.50% · 4.625%
HK$294,010
+HK$14,722/mo
Deposit HK$5.80M · loan HK$52.23M · min. income ≈ HK$558,576/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$2,466,253 · Scale 2, in force from 26 Feb 2026)