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$135,712
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,933
−HK$4,289/mo
Today · 4.125%
HK$144,222
baseline
▲ 0.50% · 4.625%
HK$152,998
+HK$8,776/mo
Deposit HK$29.76M · loan HK$29.76M · min. income ≈ HK$288,444/mo (50% DSR)
Upfront cash ≈ HK$32.29M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,978
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$155,027
−HK$4,108/mo
Today · 4.125%
HK$159,135
baseline
▲ 0.50% · 4.625%
HK$167,523
+HK$8,388/mo
Deposit HK$29.76M · loan HK$29.76M · min. income ≈ HK$318,270/mo (50% DSR)
Upfront cash ≈ HK$32.29M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,854
−HK$10,213/mo
▼ 0.25% · 3.875%
HK$167,920
−HK$5,147/mo
Today · 4.125%
HK$173,067
baseline
▲ 0.50% · 4.625%
HK$183,598
+HK$10,531/mo
Deposit HK$23.81M · loan HK$35.71M · min. income ≈ HK$346,134/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,174
−HK$9,788/mo
▼ 0.25% · 3.875%
HK$186,033
−HK$4,929/mo
Today · 4.125%
HK$190,962
baseline
▲ 0.50% · 4.625%
HK$201,028
+HK$10,066/mo
Deposit HK$23.81M · loan HK$35.71M · min. income ≈ HK$381,924/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,997
−HK$11,914/mo
▼ 0.25% · 3.875%
HK$195,907
−HK$6,004/mo
Today · 4.125%
HK$201,911
baseline
▲ 0.50% · 4.625%
HK$214,197
+HK$12,286/mo
Deposit HK$17.85M · loan HK$41.66M · min. income ≈ HK$403,822/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,370
−HK$11,419/mo
▼ 0.25% · 3.875%
HK$217,038
−HK$5,751/mo
Today · 4.125%
HK$222,789
baseline
▲ 0.50% · 4.625%
HK$234,533
+HK$11,744/mo
Deposit HK$17.85M · loan HK$41.66M · min. income ≈ HK$445,578/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,282
−HK$15,318/mo
▼ 0.25% · 3.875%
HK$251,880
−HK$7,720/mo
Today · 4.125%
HK$259,600
baseline
▲ 0.50% · 4.625%
HK$275,396
+HK$15,796/mo
Deposit HK$5.95M · loan HK$53.56M · min. income ≈ HK$519,200/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,761
−HK$14,682/mo
▼ 0.25% · 3.875%
HK$279,049
−HK$7,394/mo
Today · 4.125%
HK$286,443
baseline
▲ 0.50% · 4.625%
HK$301,542
+HK$15,099/mo
Deposit HK$5.95M · loan HK$53.56M · min. income ≈ HK$572,886/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,529,436 · Scale 2, in force from 26 Feb 2026)