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$133,965
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$138,132
−HK$4,233/mo
Today · 4.125%
HK$142,365
baseline
▲ 0.50% · 4.625%
HK$151,028
+HK$8,663/mo
Deposit HK$29.37M · loan HK$29.37M · min. income ≈ HK$284,730/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,034
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,031
−HK$4,055/mo
Today · 4.125%
HK$157,086
baseline
▲ 0.50% · 4.625%
HK$165,367
+HK$8,281/mo
Deposit HK$29.37M · loan HK$29.37M · min. income ≈ HK$314,172/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,758
−HK$10,081/mo
▼ 0.25% · 3.875%
HK$165,758
−HK$5,081/mo
Today · 4.125%
HK$170,839
baseline
▲ 0.50% · 4.625%
HK$181,234
+HK$10,395/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$341,678/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,841
−HK$9,663/mo
▼ 0.25% · 3.875%
HK$183,638
−HK$4,866/mo
Today · 4.125%
HK$188,504
baseline
▲ 0.50% · 4.625%
HK$198,440
+HK$9,936/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$377,008/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,551
−HK$11,761/mo
▼ 0.25% · 3.875%
HK$193,385
−HK$5,927/mo
Today · 4.125%
HK$199,312
baseline
▲ 0.50% · 4.625%
HK$211,439
+HK$12,127/mo
Deposit HK$17.62M · loan HK$41.12M · min. income ≈ HK$398,624/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,648
−HK$11,273/mo
▼ 0.25% · 3.875%
HK$214,244
−HK$5,677/mo
Today · 4.125%
HK$219,921
baseline
▲ 0.50% · 4.625%
HK$231,513
+HK$11,592/mo
Deposit HK$17.62M · loan HK$41.12M · min. income ≈ HK$439,842/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,137
−HK$15,121/mo
▼ 0.25% · 3.875%
HK$248,637
−HK$7,621/mo
Today · 4.125%
HK$256,258
baseline
▲ 0.50% · 4.625%
HK$271,851
+HK$15,593/mo
Deposit HK$5.87M · loan HK$52.87M · min. income ≈ HK$512,516/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,262
−HK$14,493/mo
▼ 0.25% · 3.875%
HK$275,457
−HK$7,298/mo
Today · 4.125%
HK$282,755
baseline
▲ 0.50% · 4.625%
HK$297,660
+HK$14,905/mo
Deposit HK$5.87M · loan HK$52.87M · min. income ≈ HK$565,510/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,496,869 · Scale 2, in force from 26 Feb 2026)