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$135,112
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$139,315
−HK$4,269/mo
Today · 4.125%
HK$143,584
baseline
▲ 0.50% · 4.625%
HK$152,321
+HK$8,737/mo
Deposit HK$29.63M · loan HK$29.63M · min. income ≈ HK$287,168/mo (50% DSR)
Upfront cash ≈ HK$32.14M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,311
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$154,342
−HK$4,089/mo
Today · 4.125%
HK$158,431
baseline
▲ 0.50% · 4.625%
HK$166,782
+HK$8,351/mo
Deposit HK$29.63M · loan HK$29.63M · min. income ≈ HK$316,862/mo (50% DSR)
Upfront cash ≈ HK$32.14M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,134
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$167,177
−HK$5,124/mo
Today · 4.125%
HK$172,301
baseline
▲ 0.50% · 4.625%
HK$182,786
+HK$10,485/mo
Deposit HK$23.70M · loan HK$35.55M · min. income ≈ HK$344,602/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,373
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$185,210
−HK$4,908/mo
Today · 4.125%
HK$190,118
baseline
▲ 0.50% · 4.625%
HK$200,139
+HK$10,021/mo
Deposit HK$23.70M · loan HK$35.55M · min. income ≈ HK$380,236/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,156
−HK$11,862/mo
▼ 0.25% · 3.875%
HK$195,040
−HK$5,978/mo
Today · 4.125%
HK$201,018
baseline
▲ 0.50% · 4.625%
HK$213,250
+HK$12,232/mo
Deposit HK$17.78M · loan HK$41.48M · min. income ≈ HK$402,036/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,435
−HK$11,369/mo
▼ 0.25% · 3.875%
HK$216,078
−HK$5,726/mo
Today · 4.125%
HK$221,804
baseline
▲ 0.50% · 4.625%
HK$233,495
+HK$11,691/mo
Deposit HK$17.78M · loan HK$41.48M · min. income ≈ HK$443,608/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,201
−HK$15,251/mo
▼ 0.25% · 3.875%
HK$250,766
−HK$7,686/mo
Today · 4.125%
HK$258,452
baseline
▲ 0.50% · 4.625%
HK$274,178
+HK$15,726/mo
Deposit HK$5.93M · loan HK$53.33M · min. income ≈ HK$516,904/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,559
−HK$14,617/mo
▼ 0.25% · 3.875%
HK$277,815
−HK$7,361/mo
Today · 4.125%
HK$285,176
baseline
▲ 0.50% · 4.625%
HK$300,208
+HK$15,032/mo
Deposit HK$5.93M · loan HK$53.33M · min. income ≈ HK$570,352/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,518,248 · Scale 2, in force from 26 Feb 2026)