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$134,363
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$138,542
−HK$4,247/mo
Today · 4.125%
HK$142,789
baseline
▲ 0.50% · 4.625%
HK$151,477
+HK$8,688/mo
Deposit HK$29.46M · loan HK$29.46M · min. income ≈ HK$285,578/mo (50% DSR)
Upfront cash ≈ HK$31.97M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,477
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,486
−HK$4,067/mo
Today · 4.125%
HK$157,553
baseline
▲ 0.50% · 4.625%
HK$165,858
+HK$8,305/mo
Deposit HK$29.46M · loan HK$29.46M · min. income ≈ HK$315,106/mo (50% DSR)
Upfront cash ≈ HK$31.97M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,236
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$166,251
−HK$5,095/mo
Today · 4.125%
HK$171,346
baseline
▲ 0.50% · 4.625%
HK$181,773
+HK$10,427/mo
Deposit HK$23.57M · loan HK$35.35M · min. income ≈ HK$342,692/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,373
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$184,184
−HK$4,880/mo
Today · 4.125%
HK$189,064
baseline
▲ 0.50% · 4.625%
HK$199,030
+HK$9,966/mo
Deposit HK$23.57M · loan HK$35.35M · min. income ≈ HK$378,128/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,108
−HK$11,796/mo
▼ 0.25% · 3.875%
HK$193,959
−HK$5,945/mo
Today · 4.125%
HK$199,904
baseline
▲ 0.50% · 4.625%
HK$212,068
+HK$12,164/mo
Deposit HK$17.68M · loan HK$41.25M · min. income ≈ HK$399,808/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,268
−HK$11,307/mo
▼ 0.25% · 3.875%
HK$214,881
−HK$5,694/mo
Today · 4.125%
HK$220,575
baseline
▲ 0.50% · 4.625%
HK$232,201
+HK$11,626/mo
Deposit HK$17.68M · loan HK$41.25M · min. income ≈ HK$441,150/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,853
−HK$15,167/mo
▼ 0.25% · 3.875%
HK$249,376
−HK$7,644/mo
Today · 4.125%
HK$257,020
baseline
▲ 0.50% · 4.625%
HK$272,659
+HK$15,639/mo
Deposit HK$5.89M · loan HK$53.03M · min. income ≈ HK$514,040/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,059
−HK$14,537/mo
▼ 0.25% · 3.875%
HK$276,276
−HK$7,320/mo
Today · 4.125%
HK$283,596
baseline
▲ 0.50% · 4.625%
HK$298,545
+HK$14,949/mo
Deposit HK$5.89M · loan HK$53.03M · min. income ≈ HK$567,192/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,504,292 · Scale 2, in force from 26 Feb 2026)