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$126,086
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$130,008
−HK$3,984/mo
Today · 4.125%
HK$133,992
baseline
▲ 0.50% · 4.625%
HK$142,146
+HK$8,154/mo
Deposit HK$27.65M · loan HK$27.65M · min. income ≈ HK$267,984/mo (50% DSR)
Upfront cash ≈ HK$30.00M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,269
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$144,031
−HK$3,816/mo
Today · 4.125%
HK$147,847
baseline
▲ 0.50% · 4.625%
HK$155,641
+HK$7,794/mo
Deposit HK$27.65M · loan HK$27.65M · min. income ≈ HK$295,694/mo (50% DSR)
Upfront cash ≈ HK$30.00M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,303
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$156,009
−HK$4,782/mo
Today · 4.125%
HK$160,791
baseline
▲ 0.50% · 4.625%
HK$170,575
+HK$9,784/mo
Deposit HK$22.12M · loan HK$33.18M · min. income ≈ HK$321,582/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,323
−HK$9,094/mo
▼ 0.25% · 3.875%
HK$172,837
−HK$4,580/mo
Today · 4.125%
HK$177,417
baseline
▲ 0.50% · 4.625%
HK$186,769
+HK$9,352/mo
Deposit HK$22.12M · loan HK$33.18M · min. income ≈ HK$354,834/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,520
−HK$11,069/mo
▼ 0.25% · 3.875%
HK$182,011
−HK$5,578/mo
Today · 4.125%
HK$187,589
baseline
▲ 0.50% · 4.625%
HK$199,004
+HK$11,415/mo
Deposit HK$16.59M · loan HK$38.71M · min. income ≈ HK$375,178/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,377
−HK$10,609/mo
▼ 0.25% · 3.875%
HK$201,644
−HK$5,342/mo
Today · 4.125%
HK$206,986
baseline
▲ 0.50% · 4.625%
HK$217,897
+HK$10,911/mo
Deposit HK$16.59M · loan HK$38.71M · min. income ≈ HK$413,972/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,954
−HK$14,232/mo
▼ 0.25% · 3.875%
HK$234,014
−HK$7,172/mo
Today · 4.125%
HK$241,186
baseline
▲ 0.50% · 4.625%
HK$255,862
+HK$14,676/mo
Deposit HK$5.53M · loan HK$49.77M · min. income ≈ HK$482,372/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,484
−HK$13,641/mo
▼ 0.25% · 3.875%
HK$259,256
−HK$6,869/mo
Today · 4.125%
HK$266,125
baseline
▲ 0.50% · 4.625%
HK$280,153
+HK$14,028/mo
Deposit HK$5.53M · loan HK$49.77M · min. income ≈ HK$532,250/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,350,019 · Scale 2, in force from 26 Feb 2026)