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$133,392
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$137,541
−HK$4,216/mo
Today · 4.125%
HK$141,757
baseline
▲ 0.50% · 4.625%
HK$150,382
+HK$8,625/mo
Deposit HK$29.25M · loan HK$29.25M · min. income ≈ HK$283,514/mo (50% DSR)
Upfront cash ≈ HK$31.74M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,397
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,377
−HK$4,038/mo
Today · 4.125%
HK$156,415
baseline
▲ 0.50% · 4.625%
HK$164,659
+HK$8,244/mo
Deposit HK$29.25M · loan HK$29.25M · min. income ≈ HK$312,830/mo (50% DSR)
Upfront cash ≈ HK$31.74M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,070
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$165,049
−HK$5,059/mo
Today · 4.125%
HK$170,108
baseline
▲ 0.50% · 4.625%
HK$180,459
+HK$10,351/mo
Deposit HK$23.40M · loan HK$35.10M · min. income ≈ HK$340,216/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,077
−HK$9,621/mo
▼ 0.25% · 3.875%
HK$182,853
−HK$4,845/mo
Today · 4.125%
HK$187,698
baseline
▲ 0.50% · 4.625%
HK$197,591
+HK$9,893/mo
Deposit HK$23.40M · loan HK$35.10M · min. income ≈ HK$375,396/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,749
−HK$11,710/mo
▼ 0.25% · 3.875%
HK$192,558
−HK$5,901/mo
Today · 4.125%
HK$198,459
baseline
▲ 0.50% · 4.625%
HK$210,535
+HK$12,076/mo
Deposit HK$17.55M · loan HK$40.95M · min. income ≈ HK$396,918/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,756
−HK$11,224/mo
▼ 0.25% · 3.875%
HK$213,328
−HK$5,652/mo
Today · 4.125%
HK$218,980
baseline
▲ 0.50% · 4.625%
HK$230,523
+HK$11,543/mo
Deposit HK$17.55M · loan HK$40.95M · min. income ≈ HK$437,960/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,105
−HK$15,057/mo
▼ 0.25% · 3.875%
HK$247,574
−HK$7,588/mo
Today · 4.125%
HK$255,162
baseline
▲ 0.50% · 4.625%
HK$270,688
+HK$15,526/mo
Deposit HK$5.85M · loan HK$52.65M · min. income ≈ HK$510,324/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,115
−HK$14,431/mo
▼ 0.25% · 3.875%
HK$274,279
−HK$7,267/mo
Today · 4.125%
HK$281,546
baseline
▲ 0.50% · 4.625%
HK$296,387
+HK$14,841/mo
Deposit HK$5.85M · loan HK$52.65M · min. income ≈ HK$563,092/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,486,193 · Scale 2, in force from 26 Feb 2026)