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$135,126
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$139,329
−HK$4,270/mo
Today · 4.125%
HK$143,599
baseline
▲ 0.50% · 4.625%
HK$152,337
+HK$8,738/mo
Deposit HK$29.63M · loan HK$29.63M · min. income ≈ HK$287,198/mo (50% DSR)
Upfront cash ≈ HK$32.15M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,326
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,357
−HK$4,090/mo
Today · 4.125%
HK$158,447
baseline
▲ 0.50% · 4.625%
HK$166,799
+HK$8,352/mo
Deposit HK$29.63M · loan HK$29.63M · min. income ≈ HK$316,894/mo (50% DSR)
Upfront cash ≈ HK$32.15M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,151
−HK$10,168/mo
▼ 0.25% · 3.875%
HK$167,194
−HK$5,125/mo
Today · 4.125%
HK$172,319
baseline
▲ 0.50% · 4.625%
HK$182,804
+HK$10,485/mo
Deposit HK$23.70M · loan HK$35.56M · min. income ≈ HK$344,638/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,391
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$185,229
−HK$4,908/mo
Today · 4.125%
HK$190,137
baseline
▲ 0.50% · 4.625%
HK$200,159
+HK$10,022/mo
Deposit HK$23.70M · loan HK$35.56M · min. income ≈ HK$380,274/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,176
−HK$11,863/mo
▼ 0.25% · 3.875%
HK$195,060
−HK$5,979/mo
Today · 4.125%
HK$201,039
baseline
▲ 0.50% · 4.625%
HK$213,271
+HK$12,232/mo
Deposit HK$17.78M · loan HK$41.48M · min. income ≈ HK$402,078/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,456
−HK$11,370/mo
▼ 0.25% · 3.875%
HK$216,100
−HK$5,726/mo
Today · 4.125%
HK$221,826
baseline
▲ 0.50% · 4.625%
HK$233,519
+HK$11,693/mo
Deposit HK$17.78M · loan HK$41.48M · min. income ≈ HK$443,652/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,226
−HK$15,252/mo
▼ 0.25% · 3.875%
HK$250,792
−HK$7,686/mo
Today · 4.125%
HK$258,478
baseline
▲ 0.50% · 4.625%
HK$274,206
+HK$15,728/mo
Deposit HK$5.93M · loan HK$53.33M · min. income ≈ HK$516,956/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,586
−HK$14,619/mo
▼ 0.25% · 3.875%
HK$277,843
−HK$7,362/mo
Today · 4.125%
HK$285,205
baseline
▲ 0.50% · 4.625%
HK$300,239
+HK$15,034/mo
Deposit HK$5.93M · loan HK$53.33M · min. income ≈ HK$570,410/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,518,505 · Scale 2, in force from 26 Feb 2026)