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$133,248
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,392
−HK$4,211/mo
Today · 4.125%
HK$141,603
baseline
▲ 0.50% · 4.625%
HK$150,220
+HK$8,617/mo
Deposit HK$29.22M · loan HK$29.22M · min. income ≈ HK$283,206/mo (50% DSR)
Upfront cash ≈ HK$31.70M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,237
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,212
−HK$4,033/mo
Today · 4.125%
HK$156,245
baseline
▲ 0.50% · 4.625%
HK$164,481
+HK$8,236/mo
Deposit HK$29.22M · loan HK$29.22M · min. income ≈ HK$312,490/mo (50% DSR)
Upfront cash ≈ HK$31.70M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,897
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$164,871
−HK$5,053/mo
Today · 4.125%
HK$169,924
baseline
▲ 0.50% · 4.625%
HK$180,264
+HK$10,340/mo
Deposit HK$23.37M · loan HK$35.06M · min. income ≈ HK$339,848/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,884
−HK$9,610/mo
▼ 0.25% · 3.875%
HK$182,655
−HK$4,839/mo
Today · 4.125%
HK$187,494
baseline
▲ 0.50% · 4.625%
HK$197,378
+HK$9,884/mo
Deposit HK$23.37M · loan HK$35.06M · min. income ≈ HK$374,988/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,547
−HK$11,698/mo
▼ 0.25% · 3.875%
HK$192,349
−HK$5,896/mo
Today · 4.125%
HK$198,245
baseline
▲ 0.50% · 4.625%
HK$210,307
+HK$12,062/mo
Deposit HK$17.53M · loan HK$40.90M · min. income ≈ HK$396,490/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,531
−HK$11,213/mo
▼ 0.25% · 3.875%
HK$213,097
−HK$5,647/mo
Today · 4.125%
HK$218,744
baseline
▲ 0.50% · 4.625%
HK$230,274
+HK$11,530/mo
Deposit HK$17.53M · loan HK$40.90M · min. income ≈ HK$437,488/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,846
−HK$15,040/mo
▼ 0.25% · 3.875%
HK$247,306
−HK$7,580/mo
Today · 4.125%
HK$254,886
baseline
▲ 0.50% · 4.625%
HK$270,395
+HK$15,509/mo
Deposit HK$5.84M · loan HK$52.59M · min. income ≈ HK$509,772/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,826
−HK$14,416/mo
▼ 0.25% · 3.875%
HK$273,982
−HK$7,260/mo
Today · 4.125%
HK$281,242
baseline
▲ 0.50% · 4.625%
HK$296,066
+HK$14,824/mo
Deposit HK$5.84M · loan HK$52.59M · min. income ≈ HK$562,484/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,483,503 · Scale 2, in force from 26 Feb 2026)