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$133,152
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,293
−HK$4,208/mo
Today · 4.125%
HK$141,501
baseline
▲ 0.50% · 4.625%
HK$150,111
+HK$8,610/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$283,002/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,130
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,102
−HK$4,031/mo
Today · 4.125%
HK$156,133
baseline
▲ 0.50% · 4.625%
HK$164,363
+HK$8,230/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$312,266/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,782
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$164,752
−HK$5,050/mo
Today · 4.125%
HK$169,802
baseline
▲ 0.50% · 4.625%
HK$180,134
+HK$10,332/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$339,604/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,756
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$182,523
−HK$4,836/mo
Today · 4.125%
HK$187,359
baseline
▲ 0.50% · 4.625%
HK$197,235
+HK$9,876/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$374,718/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,412
−HK$11,690/mo
▼ 0.25% · 3.875%
HK$192,211
−HK$5,891/mo
Today · 4.125%
HK$198,102
baseline
▲ 0.50% · 4.625%
HK$210,156
+HK$12,054/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$396,204/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,382
−HK$11,204/mo
▼ 0.25% · 3.875%
HK$212,943
−HK$5,643/mo
Today · 4.125%
HK$218,586
baseline
▲ 0.50% · 4.625%
HK$230,108
+HK$11,522/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$437,172/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,673
−HK$15,029/mo
▼ 0.25% · 3.875%
HK$247,128
−HK$7,574/mo
Today · 4.125%
HK$254,702
baseline
▲ 0.50% · 4.625%
HK$270,200
+HK$15,498/mo
Deposit HK$5.84M · loan HK$52.55M · min. income ≈ HK$509,404/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,634
−HK$14,405/mo
▼ 0.25% · 3.875%
HK$273,784
−HK$7,255/mo
Today · 4.125%
HK$281,039
baseline
▲ 0.50% · 4.625%
HK$295,853
+HK$14,814/mo
Deposit HK$5.84M · loan HK$52.55M · min. income ≈ HK$562,078/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,481,712 · Scale 2, in force from 26 Feb 2026)