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$133,138
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,279
−HK$4,207/mo
Today · 4.125%
HK$141,486
baseline
▲ 0.50% · 4.625%
HK$150,096
+HK$8,610/mo
Deposit HK$29.19M · loan HK$29.19M · min. income ≈ HK$282,972/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,114
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,087
−HK$4,029/mo
Today · 4.125%
HK$156,116
baseline
▲ 0.50% · 4.625%
HK$164,345
+HK$8,229/mo
Deposit HK$29.19M · loan HK$29.19M · min. income ≈ HK$312,232/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,765
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$164,735
−HK$5,049/mo
Today · 4.125%
HK$169,784
baseline
▲ 0.50% · 4.625%
HK$180,115
+HK$10,331/mo
Deposit HK$23.35M · loan HK$35.03M · min. income ≈ HK$339,568/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,737
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$182,504
−HK$4,836/mo
Today · 4.125%
HK$187,340
baseline
▲ 0.50% · 4.625%
HK$197,215
+HK$9,875/mo
Deposit HK$23.35M · loan HK$35.03M · min. income ≈ HK$374,680/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,393
−HK$11,688/mo
▼ 0.25% · 3.875%
HK$192,190
−HK$5,891/mo
Today · 4.125%
HK$198,081
baseline
▲ 0.50% · 4.625%
HK$210,134
+HK$12,053/mo
Deposit HK$17.52M · loan HK$40.87M · min. income ≈ HK$396,162/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,360
−HK$11,203/mo
▼ 0.25% · 3.875%
HK$212,921
−HK$5,642/mo
Today · 4.125%
HK$218,563
baseline
▲ 0.50% · 4.625%
HK$230,084
+HK$11,521/mo
Deposit HK$17.52M · loan HK$40.87M · min. income ≈ HK$437,126/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,648
−HK$15,028/mo
▼ 0.25% · 3.875%
HK$247,102
−HK$7,574/mo
Today · 4.125%
HK$254,676
baseline
▲ 0.50% · 4.625%
HK$270,172
+HK$15,496/mo
Deposit HK$5.84M · loan HK$52.55M · min. income ≈ HK$509,352/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,606
−HK$14,403/mo
▼ 0.25% · 3.875%
HK$273,756
−HK$7,253/mo
Today · 4.125%
HK$281,009
baseline
▲ 0.50% · 4.625%
HK$295,822
+HK$14,813/mo
Deposit HK$5.84M · loan HK$52.55M · min. income ≈ HK$562,018/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,481,452 · Scale 2, in force from 26 Feb 2026)