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$132,840
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,972
−HK$4,198/mo
Today · 4.125%
HK$141,170
baseline
▲ 0.50% · 4.625%
HK$149,760
+HK$8,590/mo
Deposit HK$29.13M · loan HK$29.13M · min. income ≈ HK$282,340/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,783
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,746
−HK$4,021/mo
Today · 4.125%
HK$155,767
baseline
▲ 0.50% · 4.625%
HK$163,978
+HK$8,211/mo
Deposit HK$29.13M · loan HK$29.13M · min. income ≈ HK$311,534/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,407
−HK$9,997/mo
▼ 0.25% · 3.875%
HK$164,366
−HK$5,038/mo
Today · 4.125%
HK$169,404
baseline
▲ 0.50% · 4.625%
HK$179,712
+HK$10,308/mo
Deposit HK$23.30M · loan HK$34.95M · min. income ≈ HK$338,808/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,339
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$182,095
−HK$4,825/mo
Today · 4.125%
HK$186,920
baseline
▲ 0.50% · 4.625%
HK$196,773
+HK$9,853/mo
Deposit HK$23.30M · loan HK$34.95M · min. income ≈ HK$373,840/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,975
−HK$11,663/mo
▼ 0.25% · 3.875%
HK$191,760
−HK$5,878/mo
Today · 4.125%
HK$197,638
baseline
▲ 0.50% · 4.625%
HK$209,663
+HK$12,025/mo
Deposit HK$17.48M · loan HK$40.78M · min. income ≈ HK$395,276/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,896
−HK$11,178/mo
▼ 0.25% · 3.875%
HK$212,445
−HK$5,629/mo
Today · 4.125%
HK$218,074
baseline
▲ 0.50% · 4.625%
HK$229,569
+HK$11,495/mo
Deposit HK$17.48M · loan HK$40.78M · min. income ≈ HK$436,148/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,111
−HK$14,995/mo
▼ 0.25% · 3.875%
HK$246,549
−HK$7,557/mo
Today · 4.125%
HK$254,106
baseline
▲ 0.50% · 4.625%
HK$269,567
+HK$15,461/mo
Deposit HK$5.83M · loan HK$52.43M · min. income ≈ HK$508,212/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,009
−HK$14,371/mo
▼ 0.25% · 3.875%
HK$273,143
−HK$7,237/mo
Today · 4.125%
HK$280,380
baseline
▲ 0.50% · 4.625%
HK$295,160
+HK$14,780/mo
Deposit HK$5.83M · loan HK$52.43M · min. income ≈ HK$560,760/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,898 · Scale 2, in force from 26 Feb 2026)