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$135,081
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$139,283
−HK$4,268/mo
Today · 4.125%
HK$143,551
baseline
▲ 0.50% · 4.625%
HK$152,286
+HK$8,735/mo
Deposit HK$29.62M · loan HK$29.62M · min. income ≈ HK$287,102/mo (50% DSR)
Upfront cash ≈ HK$32.14M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,276
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$154,306
−HK$4,089/mo
Today · 4.125%
HK$158,395
baseline
▲ 0.50% · 4.625%
HK$166,744
+HK$8,349/mo
Deposit HK$29.62M · loan HK$29.62M · min. income ≈ HK$316,790/mo (50% DSR)
Upfront cash ≈ HK$32.14M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,097
−HK$10,165/mo
▼ 0.25% · 3.875%
HK$167,139
−HK$5,123/mo
Today · 4.125%
HK$172,262
baseline
▲ 0.50% · 4.625%
HK$182,743
+HK$10,481/mo
Deposit HK$23.70M · loan HK$35.54M · min. income ≈ HK$344,524/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,331
−HK$9,743/mo
▼ 0.25% · 3.875%
HK$185,168
−HK$4,906/mo
Today · 4.125%
HK$190,074
baseline
▲ 0.50% · 4.625%
HK$200,093
+HK$10,019/mo
Deposit HK$23.70M · loan HK$35.54M · min. income ≈ HK$380,148/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,113
−HK$11,859/mo
▼ 0.25% · 3.875%
HK$194,996
−HK$5,976/mo
Today · 4.125%
HK$200,972
baseline
▲ 0.50% · 4.625%
HK$213,201
+HK$12,229/mo
Deposit HK$17.77M · loan HK$41.47M · min. income ≈ HK$401,944/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,386
−HK$11,367/mo
▼ 0.25% · 3.875%
HK$216,029
−HK$5,724/mo
Today · 4.125%
HK$221,753
baseline
▲ 0.50% · 4.625%
HK$233,442
+HK$11,689/mo
Deposit HK$17.77M · loan HK$41.47M · min. income ≈ HK$443,506/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,145
−HK$15,248/mo
▼ 0.25% · 3.875%
HK$250,709
−HK$7,684/mo
Today · 4.125%
HK$258,393
baseline
▲ 0.50% · 4.625%
HK$274,115
+HK$15,722/mo
Deposit HK$5.92M · loan HK$53.32M · min. income ≈ HK$516,786/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,497
−HK$14,614/mo
▼ 0.25% · 3.875%
HK$277,751
−HK$7,360/mo
Today · 4.125%
HK$285,111
baseline
▲ 0.50% · 4.625%
HK$300,139
+HK$15,028/mo
Deposit HK$5.92M · loan HK$53.32M · min. income ≈ HK$570,222/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,517,669 · Scale 2, in force from 26 Feb 2026)