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$136,115
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$140,349
−HK$4,302/mo
Today · 4.125%
HK$144,651
baseline
▲ 0.50% · 4.625%
HK$153,453
+HK$8,802/mo
Deposit HK$29.85M · loan HK$29.85M · min. income ≈ HK$289,302/mo (50% DSR)
Upfront cash ≈ HK$32.38M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,427
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$155,488
−HK$4,120/mo
Today · 4.125%
HK$159,608
baseline
▲ 0.50% · 4.625%
HK$168,021
+HK$8,413/mo
Deposit HK$29.85M · loan HK$29.85M · min. income ≈ HK$319,216/mo (50% DSR)
Upfront cash ≈ HK$32.38M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,338
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$168,419
−HK$5,162/mo
Today · 4.125%
HK$173,581
baseline
▲ 0.50% · 4.625%
HK$184,143
+HK$10,562/mo
Deposit HK$23.88M · loan HK$35.82M · min. income ≈ HK$347,162/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,712
−HK$9,818/mo
▼ 0.25% · 3.875%
HK$186,586
−HK$4,944/mo
Today · 4.125%
HK$191,530
baseline
▲ 0.50% · 4.625%
HK$201,626
+HK$10,096/mo
Deposit HK$23.88M · loan HK$35.82M · min. income ≈ HK$383,060/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,562
−HK$11,949/mo
▼ 0.25% · 3.875%
HK$196,489
−HK$6,022/mo
Today · 4.125%
HK$202,511
baseline
▲ 0.50% · 4.625%
HK$214,834
+HK$12,323/mo
Deposit HK$17.91M · loan HK$41.79M · min. income ≈ HK$405,022/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,998
−HK$11,453/mo
▼ 0.25% · 3.875%
HK$217,683
−HK$5,768/mo
Today · 4.125%
HK$223,451
baseline
▲ 0.50% · 4.625%
HK$235,230
+HK$11,779/mo
Deposit HK$17.91M · loan HK$41.79M · min. income ≈ HK$446,902/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,008
−HK$15,364/mo
▼ 0.25% · 3.875%
HK$252,629
−HK$7,743/mo
Today · 4.125%
HK$260,372
baseline
▲ 0.50% · 4.625%
HK$276,215
+HK$15,843/mo
Deposit HK$5.97M · loan HK$53.72M · min. income ≈ HK$520,744/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,569
−HK$14,726/mo
▼ 0.25% · 3.875%
HK$279,879
−HK$7,416/mo
Today · 4.125%
HK$287,295
baseline
▲ 0.50% · 4.625%
HK$302,438
+HK$15,143/mo
Deposit HK$5.97M · loan HK$53.72M · min. income ≈ HK$574,590/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,536,954 · Scale 2, in force from 26 Feb 2026)