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$135,549
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$139,765
−HK$4,284/mo
Today · 4.125%
HK$144,049
baseline
▲ 0.50% · 4.625%
HK$152,814
+HK$8,765/mo
Deposit HK$29.72M · loan HK$29.72M · min. income ≈ HK$288,098/mo (50% DSR)
Upfront cash ≈ HK$32.25M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,797
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$154,841
−HK$4,103/mo
Today · 4.125%
HK$158,944
baseline
▲ 0.50% · 4.625%
HK$167,322
+HK$8,378/mo
Deposit HK$29.72M · loan HK$29.72M · min. income ≈ HK$317,888/mo (50% DSR)
Upfront cash ≈ HK$32.25M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,659
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$167,718
−HK$5,141/mo
Today · 4.125%
HK$172,859
baseline
▲ 0.50% · 4.625%
HK$183,377
+HK$10,518/mo
Deposit HK$23.78M · loan HK$35.67M · min. income ≈ HK$345,718/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,956
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$185,809
−HK$4,924/mo
Today · 4.125%
HK$190,733
baseline
▲ 0.50% · 4.625%
HK$200,786
+HK$10,053/mo
Deposit HK$23.78M · loan HK$35.67M · min. income ≈ HK$381,466/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,769
−HK$11,900/mo
▼ 0.25% · 3.875%
HK$195,671
−HK$5,998/mo
Today · 4.125%
HK$201,669
baseline
▲ 0.50% · 4.625%
HK$213,940
+HK$12,271/mo
Deposit HK$17.83M · loan HK$41.61M · min. income ≈ HK$403,338/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,116
−HK$11,405/mo
▼ 0.25% · 3.875%
HK$216,778
−HK$5,743/mo
Today · 4.125%
HK$222,521
baseline
▲ 0.50% · 4.625%
HK$234,251
+HK$11,730/mo
Deposit HK$17.83M · loan HK$41.61M · min. income ≈ HK$445,042/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,988
−HK$15,300/mo
▼ 0.25% · 3.875%
HK$251,577
−HK$7,711/mo
Today · 4.125%
HK$259,288
baseline
▲ 0.50% · 4.625%
HK$275,065
+HK$15,777/mo
Deposit HK$5.94M · loan HK$53.50M · min. income ≈ HK$518,576/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,434
−HK$14,665/mo
▼ 0.25% · 3.875%
HK$278,714
−HK$7,385/mo
Today · 4.125%
HK$286,099
baseline
▲ 0.50% · 4.625%
HK$301,180
+HK$15,081/mo
Deposit HK$5.94M · loan HK$53.50M · min. income ≈ HK$572,198/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$2,526,396 · Scale 2, in force from 26 Feb 2026)