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$133,878
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$138,043
−HK$4,231/mo
Today · 4.125%
HK$142,274
baseline
▲ 0.50% · 4.625%
HK$150,931
+HK$8,657/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$284,548/mo (50% DSR)
Upfront cash ≈ HK$31.85M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,938
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$152,933
−HK$4,052/mo
Today · 4.125%
HK$156,985
baseline
▲ 0.50% · 4.625%
HK$165,260
+HK$8,275/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$313,970/mo (50% DSR)
Upfront cash ≈ HK$31.85M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,654
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$165,651
−HK$5,077/mo
Today · 4.125%
HK$170,728
baseline
▲ 0.50% · 4.625%
HK$181,117
+HK$10,389/mo
Deposit HK$23.48M · loan HK$35.23M · min. income ≈ HK$341,456/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,726
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$183,519
−HK$4,863/mo
Today · 4.125%
HK$188,382
baseline
▲ 0.50% · 4.625%
HK$198,312
+HK$9,930/mo
Deposit HK$23.48M · loan HK$35.23M · min. income ≈ HK$376,764/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,430
−HK$11,753/mo
▼ 0.25% · 3.875%
HK$193,260
−HK$5,923/mo
Today · 4.125%
HK$199,183
baseline
▲ 0.50% · 4.625%
HK$211,303
+HK$12,120/mo
Deposit HK$17.61M · loan HK$41.10M · min. income ≈ HK$398,366/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,514
−HK$11,265/mo
▼ 0.25% · 3.875%
HK$214,106
−HK$5,673/mo
Today · 4.125%
HK$219,779
baseline
▲ 0.50% · 4.625%
HK$231,364
+HK$11,585/mo
Deposit HK$17.61M · loan HK$41.10M · min. income ≈ HK$439,558/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,981
−HK$15,112/mo
▼ 0.25% · 3.875%
HK$248,477
−HK$7,616/mo
Today · 4.125%
HK$256,093
baseline
▲ 0.50% · 4.625%
HK$271,675
+HK$15,582/mo
Deposit HK$5.87M · loan HK$52.84M · min. income ≈ HK$512,186/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,089
−HK$14,484/mo
▼ 0.25% · 3.875%
HK$275,279
−HK$7,294/mo
Today · 4.125%
HK$282,573
baseline
▲ 0.50% · 4.625%
HK$297,468
+HK$14,895/mo
Deposit HK$5.87M · loan HK$52.84M · min. income ≈ HK$565,146/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,259 · Scale 2, in force from 26 Feb 2026)