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$135,730
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$139,952
−HK$4,290/mo
Today · 4.125%
HK$144,242
baseline
▲ 0.50% · 4.625%
HK$153,019
+HK$8,777/mo
Deposit HK$29.76M · loan HK$29.76M · min. income ≈ HK$288,484/mo (50% DSR)
Upfront cash ≈ HK$32.29M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,999
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$155,048
−HK$4,109/mo
Today · 4.125%
HK$159,157
baseline
▲ 0.50% · 4.625%
HK$167,546
+HK$8,389/mo
Deposit HK$29.76M · loan HK$29.76M · min. income ≈ HK$318,314/mo (50% DSR)
Upfront cash ≈ HK$32.29M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,876
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$167,943
−HK$5,147/mo
Today · 4.125%
HK$173,090
baseline
▲ 0.50% · 4.625%
HK$183,622
+HK$10,532/mo
Deposit HK$23.81M · loan HK$35.71M · min. income ≈ HK$346,180/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,198
−HK$9,790/mo
▼ 0.25% · 3.875%
HK$186,058
−HK$4,930/mo
Today · 4.125%
HK$190,988
baseline
▲ 0.50% · 4.625%
HK$201,055
+HK$10,067/mo
Deposit HK$23.81M · loan HK$35.71M · min. income ≈ HK$381,976/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,022
−HK$11,916/mo
▼ 0.25% · 3.875%
HK$195,933
−HK$6,005/mo
Today · 4.125%
HK$201,938
baseline
▲ 0.50% · 4.625%
HK$214,226
+HK$12,288/mo
Deposit HK$17.86M · loan HK$41.67M · min. income ≈ HK$403,876/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,398
−HK$11,421/mo
▼ 0.25% · 3.875%
HK$217,068
−HK$5,751/mo
Today · 4.125%
HK$222,819
baseline
▲ 0.50% · 4.625%
HK$234,564
+HK$11,745/mo
Deposit HK$17.86M · loan HK$41.67M · min. income ≈ HK$445,638/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,315
−HK$15,320/mo
▼ 0.25% · 3.875%
HK$251,914
−HK$7,721/mo
Today · 4.125%
HK$259,635
baseline
▲ 0.50% · 4.625%
HK$275,433
+HK$15,798/mo
Deposit HK$5.95M · loan HK$53.57M · min. income ≈ HK$519,270/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,797
−HK$14,685/mo
▼ 0.25% · 3.875%
HK$279,087
−HK$7,395/mo
Today · 4.125%
HK$286,482
baseline
▲ 0.50% · 4.625%
HK$301,583
+HK$15,101/mo
Deposit HK$5.95M · loan HK$53.57M · min. income ≈ HK$572,964/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,529,776 · Scale 2, in force from 26 Feb 2026)