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$133,967
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,134
−HK$4,234/mo
Today · 4.125%
HK$142,368
baseline
▲ 0.50% · 4.625%
HK$151,030
+HK$8,662/mo
Deposit HK$29.38M · loan HK$29.38M · min. income ≈ HK$284,736/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,037
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$153,034
−HK$4,054/mo
Today · 4.125%
HK$157,088
baseline
▲ 0.50% · 4.625%
HK$165,369
+HK$8,281/mo
Deposit HK$29.38M · loan HK$29.38M · min. income ≈ HK$314,176/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,760
−HK$10,081/mo
▼ 0.25% · 3.875%
HK$165,760
−HK$5,081/mo
Today · 4.125%
HK$170,841
baseline
▲ 0.50% · 4.625%
HK$181,236
+HK$10,395/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$341,682/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,844
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$183,640
−HK$4,866/mo
Today · 4.125%
HK$188,506
baseline
▲ 0.50% · 4.625%
HK$198,443
+HK$9,937/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$377,012/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,553
−HK$11,762/mo
▼ 0.25% · 3.875%
HK$193,387
−HK$5,928/mo
Today · 4.125%
HK$199,315
baseline
▲ 0.50% · 4.625%
HK$211,442
+HK$12,127/mo
Deposit HK$17.63M · loan HK$41.13M · min. income ≈ HK$398,630/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,651
−HK$11,273/mo
▼ 0.25% · 3.875%
HK$214,247
−HK$5,677/mo
Today · 4.125%
HK$219,924
baseline
▲ 0.50% · 4.625%
HK$231,516
+HK$11,592/mo
Deposit HK$17.63M · loan HK$41.13M · min. income ≈ HK$439,848/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,140
−HK$15,122/mo
▼ 0.25% · 3.875%
HK$248,641
−HK$7,621/mo
Today · 4.125%
HK$256,262
baseline
▲ 0.50% · 4.625%
HK$271,854
+HK$15,592/mo
Deposit HK$5.88M · loan HK$52.88M · min. income ≈ HK$512,524/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,266
−HK$14,493/mo
▼ 0.25% · 3.875%
HK$275,460
−HK$7,299/mo
Today · 4.125%
HK$282,759
baseline
▲ 0.50% · 4.625%
HK$297,664
+HK$14,905/mo
Deposit HK$5.88M · loan HK$52.88M · min. income ≈ HK$565,518/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,496,904 · Scale 2, in force from 26 Feb 2026)