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$133,170
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,313
−HK$4,208/mo
Today · 4.125%
HK$141,521
baseline
▲ 0.50% · 4.625%
HK$150,133
+HK$8,612/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$283,042/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,151
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,124
−HK$4,031/mo
Today · 4.125%
HK$156,155
baseline
▲ 0.50% · 4.625%
HK$164,386
+HK$8,231/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$312,310/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,805
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$164,775
−HK$5,051/mo
Today · 4.125%
HK$169,826
baseline
▲ 0.50% · 4.625%
HK$180,159
+HK$10,333/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$339,652/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,781
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$182,549
−HK$4,837/mo
Today · 4.125%
HK$187,386
baseline
▲ 0.50% · 4.625%
HK$197,263
+HK$9,877/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$374,772/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,439
−HK$11,691/mo
▼ 0.25% · 3.875%
HK$192,238
−HK$5,892/mo
Today · 4.125%
HK$198,130
baseline
▲ 0.50% · 4.625%
HK$210,186
+HK$12,056/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$396,260/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,411
−HK$11,206/mo
▼ 0.25% · 3.875%
HK$212,974
−HK$5,643/mo
Today · 4.125%
HK$218,617
baseline
▲ 0.50% · 4.625%
HK$230,140
+HK$11,523/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$437,234/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,707
−HK$15,032/mo
▼ 0.25% · 3.875%
HK$247,163
−HK$7,576/mo
Today · 4.125%
HK$254,739
baseline
▲ 0.50% · 4.625%
HK$270,239
+HK$15,500/mo
Deposit HK$5.84M · loan HK$52.56M · min. income ≈ HK$509,478/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,671
−HK$14,408/mo
▼ 0.25% · 3.875%
HK$273,823
−HK$7,256/mo
Today · 4.125%
HK$281,079
baseline
▲ 0.50% · 4.625%
HK$295,895
+HK$14,816/mo
Deposit HK$5.84M · loan HK$52.56M · min. income ≈ HK$562,158/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,482,065 · Scale 2, in force from 26 Feb 2026)