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$132,421
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,540
−HK$4,185/mo
Today · 4.125%
HK$140,725
baseline
▲ 0.50% · 4.625%
HK$149,288
+HK$8,563/mo
Deposit HK$29.04M · loan HK$29.04M · min. income ≈ HK$281,450/mo (50% DSR)
Upfront cash ≈ HK$31.50M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,317
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$151,268
−HK$4,008/mo
Today · 4.125%
HK$155,276
baseline
▲ 0.50% · 4.625%
HK$163,461
+HK$8,185/mo
Deposit HK$29.04M · loan HK$29.04M · min. income ≈ HK$310,552/mo (50% DSR)
Upfront cash ≈ HK$31.50M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,905
−HK$9,965/mo
▼ 0.25% · 3.875%
HK$163,848
−HK$5,022/mo
Today · 4.125%
HK$168,870
baseline
▲ 0.50% · 4.625%
HK$179,145
+HK$10,275/mo
Deposit HK$23.23M · loan HK$34.84M · min. income ≈ HK$337,740/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,780
−HK$9,551/mo
▼ 0.25% · 3.875%
HK$181,521
−HK$4,810/mo
Today · 4.125%
HK$186,331
baseline
▲ 0.50% · 4.625%
HK$196,153
+HK$9,822/mo
Deposit HK$23.23M · loan HK$34.84M · min. income ≈ HK$372,662/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,389
−HK$11,626/mo
▼ 0.25% · 3.875%
HK$191,156
−HK$5,859/mo
Today · 4.125%
HK$197,015
baseline
▲ 0.50% · 4.625%
HK$209,003
+HK$11,988/mo
Deposit HK$17.42M · loan HK$40.65M · min. income ≈ HK$394,030/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,244
−HK$11,142/mo
▼ 0.25% · 3.875%
HK$211,775
−HK$5,611/mo
Today · 4.125%
HK$217,386
baseline
▲ 0.50% · 4.625%
HK$228,845
+HK$11,459/mo
Deposit HK$17.42M · loan HK$40.65M · min. income ≈ HK$434,772/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,357
−HK$14,948/mo
▼ 0.25% · 3.875%
HK$245,772
−HK$7,533/mo
Today · 4.125%
HK$253,305
baseline
▲ 0.50% · 4.625%
HK$268,718
+HK$15,413/mo
Deposit HK$5.81M · loan HK$52.27M · min. income ≈ HK$506,610/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,170
−HK$14,327/mo
▼ 0.25% · 3.875%
HK$272,282
−HK$7,215/mo
Today · 4.125%
HK$279,497
baseline
▲ 0.50% · 4.625%
HK$294,229
+HK$14,732/mo
Deposit HK$5.81M · loan HK$52.27M · min. income ≈ HK$558,994/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$2,468,093 · Scale 2, in force from 26 Feb 2026)