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$133,906
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$138,072
−HK$4,231/mo
Today · 4.125%
HK$142,303
baseline
▲ 0.50% · 4.625%
HK$150,962
+HK$8,659/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$284,606/mo (50% DSR)
Upfront cash ≈ HK$31.86M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,969
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,965
−HK$4,053/mo
Today · 4.125%
HK$157,018
baseline
▲ 0.50% · 4.625%
HK$165,294
+HK$8,276/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$314,036/mo (50% DSR)
Upfront cash ≈ HK$31.86M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,688
−HK$10,076/mo
▼ 0.25% · 3.875%
HK$165,686
−HK$5,078/mo
Today · 4.125%
HK$170,764
baseline
▲ 0.50% · 4.625%
HK$181,155
+HK$10,391/mo
Deposit HK$23.49M · loan HK$35.23M · min. income ≈ HK$341,528/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,763
−HK$9,658/mo
▼ 0.25% · 3.875%
HK$183,558
−HK$4,863/mo
Today · 4.125%
HK$188,421
baseline
▲ 0.50% · 4.625%
HK$198,353
+HK$9,932/mo
Deposit HK$23.49M · loan HK$35.23M · min. income ≈ HK$376,842/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,469
−HK$11,756/mo
▼ 0.25% · 3.875%
HK$193,300
−HK$5,925/mo
Today · 4.125%
HK$199,225
baseline
▲ 0.50% · 4.625%
HK$211,347
+HK$12,122/mo
Deposit HK$17.62M · loan HK$41.11M · min. income ≈ HK$398,450/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,557
−HK$11,268/mo
▼ 0.25% · 3.875%
HK$214,151
−HK$5,674/mo
Today · 4.125%
HK$219,825
baseline
▲ 0.50% · 4.625%
HK$231,412
+HK$11,587/mo
Deposit HK$17.62M · loan HK$41.11M · min. income ≈ HK$439,650/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,031
−HK$15,115/mo
▼ 0.25% · 3.875%
HK$248,529
−HK$7,617/mo
Today · 4.125%
HK$256,146
baseline
▲ 0.50% · 4.625%
HK$271,732
+HK$15,586/mo
Deposit HK$5.87M · loan HK$52.85M · min. income ≈ HK$512,292/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,145
−HK$14,487/mo
▼ 0.25% · 3.875%
HK$275,337
−HK$7,295/mo
Today · 4.125%
HK$282,632
baseline
▲ 0.50% · 4.625%
HK$297,530
+HK$14,898/mo
Deposit HK$5.87M · loan HK$52.85M · min. income ≈ HK$565,264/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,781 · Scale 2, in force from 26 Feb 2026)