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$135,648
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$139,867
−HK$4,287/mo
Today · 4.125%
HK$144,154
baseline
▲ 0.50% · 4.625%
HK$152,926
+HK$8,772/mo
Deposit HK$29.74M · loan HK$29.74M · min. income ≈ HK$288,308/mo (50% DSR)
Upfront cash ≈ HK$32.27M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,907
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$154,954
−HK$4,106/mo
Today · 4.125%
HK$159,060
baseline
▲ 0.50% · 4.625%
HK$167,444
+HK$8,384/mo
Deposit HK$29.74M · loan HK$29.74M · min. income ≈ HK$318,120/mo (50% DSR)
Upfront cash ≈ HK$32.27M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,777
−HK$10,208/mo
▼ 0.25% · 3.875%
HK$167,841
−HK$5,144/mo
Today · 4.125%
HK$172,985
baseline
▲ 0.50% · 4.625%
HK$183,511
+HK$10,526/mo
Deposit HK$23.80M · loan HK$35.69M · min. income ≈ HK$345,970/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,088
−HK$9,784/mo
▼ 0.25% · 3.875%
HK$185,945
−HK$4,927/mo
Today · 4.125%
HK$190,872
baseline
▲ 0.50% · 4.625%
HK$200,933
+HK$10,061/mo
Deposit HK$23.80M · loan HK$35.69M · min. income ≈ HK$381,744/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,907
−HK$11,909/mo
▼ 0.25% · 3.875%
HK$195,814
−HK$6,002/mo
Today · 4.125%
HK$201,816
baseline
▲ 0.50% · 4.625%
HK$214,096
+HK$12,280/mo
Deposit HK$17.85M · loan HK$41.64M · min. income ≈ HK$403,632/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,270
−HK$11,414/mo
▼ 0.25% · 3.875%
HK$216,936
−HK$5,748/mo
Today · 4.125%
HK$222,684
baseline
▲ 0.50% · 4.625%
HK$234,422
+HK$11,738/mo
Deposit HK$17.85M · loan HK$41.64M · min. income ≈ HK$445,368/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,166
−HK$15,311/mo
▼ 0.25% · 3.875%
HK$251,761
−HK$7,716/mo
Today · 4.125%
HK$259,477
baseline
▲ 0.50% · 4.625%
HK$275,266
+HK$15,789/mo
Deposit HK$5.95M · loan HK$53.54M · min. income ≈ HK$518,954/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,632
−HK$14,676/mo
▼ 0.25% · 3.875%
HK$278,917
−HK$7,391/mo
Today · 4.125%
HK$286,308
baseline
▲ 0.50% · 4.625%
HK$301,399
+HK$15,091/mo
Deposit HK$5.95M · loan HK$53.54M · min. income ≈ HK$572,616/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,528,238 · Scale 2, in force from 26 Feb 2026)