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$136,633
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$140,883
−HK$4,318/mo
Today · 4.125%
HK$145,201
baseline
▲ 0.50% · 4.625%
HK$154,037
+HK$8,836/mo
Deposit HK$29.96M · loan HK$29.96M · min. income ≈ HK$290,402/mo (50% DSR)
Upfront cash ≈ HK$32.51M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,003
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,080
−HK$4,135/mo
Today · 4.125%
HK$160,215
baseline
▲ 0.50% · 4.625%
HK$168,661
+HK$8,446/mo
Deposit HK$29.96M · loan HK$29.96M · min. income ≈ HK$320,430/mo (50% DSR)
Upfront cash ≈ HK$32.51M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,960
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$169,060
−HK$5,182/mo
Today · 4.125%
HK$174,242
baseline
▲ 0.50% · 4.625%
HK$184,844
+HK$10,602/mo
Deposit HK$23.97M · loan HK$35.95M · min. income ≈ HK$348,484/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,404
−HK$9,854/mo
▼ 0.25% · 3.875%
HK$187,296
−HK$4,962/mo
Today · 4.125%
HK$192,258
baseline
▲ 0.50% · 4.625%
HK$202,393
+HK$10,135/mo
Deposit HK$23.97M · loan HK$35.95M · min. income ≈ HK$384,516/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,287
−HK$11,995/mo
▼ 0.25% · 3.875%
HK$197,237
−HK$6,045/mo
Today · 4.125%
HK$203,282
baseline
▲ 0.50% · 4.625%
HK$215,651
+HK$12,369/mo
Deposit HK$17.98M · loan HK$41.94M · min. income ≈ HK$406,564/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,804
−HK$11,498/mo
▼ 0.25% · 3.875%
HK$218,512
−HK$5,790/mo
Today · 4.125%
HK$224,302
baseline
▲ 0.50% · 4.625%
HK$236,125
+HK$11,823/mo
Deposit HK$17.98M · loan HK$41.94M · min. income ≈ HK$448,604/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,940
−HK$15,422/mo
▼ 0.25% · 3.875%
HK$253,590
−HK$7,772/mo
Today · 4.125%
HK$261,362
baseline
▲ 0.50% · 4.625%
HK$277,266
+HK$15,904/mo
Deposit HK$5.99M · loan HK$53.93M · min. income ≈ HK$522,724/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,606
−HK$14,782/mo
▼ 0.25% · 3.875%
HK$280,944
−HK$7,444/mo
Today · 4.125%
HK$288,388
baseline
▲ 0.50% · 4.625%
HK$303,589
+HK$15,201/mo
Deposit HK$5.99M · loan HK$53.93M · min. income ≈ HK$576,776/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,546,606 · Scale 2, in force from 26 Feb 2026)