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$133,912
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$138,078
−HK$4,232/mo
Today · 4.125%
HK$142,310
baseline
▲ 0.50% · 4.625%
HK$150,969
+HK$8,659/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$284,620/mo (50% DSR)
Upfront cash ≈ HK$31.86M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,976
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,972
−HK$4,053/mo
Today · 4.125%
HK$157,025
baseline
▲ 0.50% · 4.625%
HK$165,302
+HK$8,277/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$314,050/mo (50% DSR)
Upfront cash ≈ HK$31.86M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,695
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$165,693
−HK$5,079/mo
Today · 4.125%
HK$170,772
baseline
▲ 0.50% · 4.625%
HK$181,163
+HK$10,391/mo
Deposit HK$23.49M · loan HK$35.24M · min. income ≈ HK$341,544/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,771
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$183,566
−HK$4,864/mo
Today · 4.125%
HK$188,430
baseline
▲ 0.50% · 4.625%
HK$198,362
+HK$9,932/mo
Deposit HK$23.49M · loan HK$35.24M · min. income ≈ HK$376,860/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,477
−HK$11,757/mo
▼ 0.25% · 3.875%
HK$193,309
−HK$5,925/mo
Today · 4.125%
HK$199,234
baseline
▲ 0.50% · 4.625%
HK$211,357
+HK$12,123/mo
Deposit HK$17.62M · loan HK$41.11M · min. income ≈ HK$398,468/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,566
−HK$11,269/mo
▼ 0.25% · 3.875%
HK$214,160
−HK$5,675/mo
Today · 4.125%
HK$219,835
baseline
▲ 0.50% · 4.625%
HK$231,422
+HK$11,587/mo
Deposit HK$17.62M · loan HK$41.11M · min. income ≈ HK$439,670/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,042
−HK$15,116/mo
▼ 0.25% · 3.875%
HK$248,540
−HK$7,618/mo
Today · 4.125%
HK$256,158
baseline
▲ 0.50% · 4.625%
HK$271,744
+HK$15,586/mo
Deposit HK$5.87M · loan HK$52.85M · min. income ≈ HK$512,316/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,157
−HK$14,488/mo
▼ 0.25% · 3.875%
HK$275,349
−HK$7,296/mo
Today · 4.125%
HK$282,645
baseline
▲ 0.50% · 4.625%
HK$297,543
+HK$14,898/mo
Deposit HK$5.87M · loan HK$52.85M · min. income ≈ HK$565,290/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,892 · Scale 2, in force from 26 Feb 2026)