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$136,470
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,715
−HK$4,312/mo
Today · 4.125%
HK$145,027
baseline
▲ 0.50% · 4.625%
HK$153,852
+HK$8,825/mo
Deposit HK$29.92M · loan HK$29.92M · min. income ≈ HK$290,054/mo (50% DSR)
Upfront cash ≈ HK$32.47M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,821
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,893
−HK$4,131/mo
Today · 4.125%
HK$160,024
baseline
▲ 0.50% · 4.625%
HK$168,459
+HK$8,435/mo
Deposit HK$29.92M · loan HK$29.92M · min. income ≈ HK$320,048/mo (50% DSR)
Upfront cash ≈ HK$32.47M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,764
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$168,858
−HK$5,175/mo
Today · 4.125%
HK$174,033
baseline
▲ 0.50% · 4.625%
HK$184,622
+HK$10,589/mo
Deposit HK$23.94M · loan HK$35.91M · min. income ≈ HK$348,066/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,185
−HK$9,843/mo
▼ 0.25% · 3.875%
HK$187,071
−HK$4,957/mo
Today · 4.125%
HK$192,028
baseline
▲ 0.50% · 4.625%
HK$202,150
+HK$10,122/mo
Deposit HK$23.94M · loan HK$35.91M · min. income ≈ HK$384,056/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,057
−HK$11,981/mo
▼ 0.25% · 3.875%
HK$197,000
−HK$6,038/mo
Today · 4.125%
HK$203,038
baseline
▲ 0.50% · 4.625%
HK$215,393
+HK$12,355/mo
Deposit HK$17.95M · loan HK$41.89M · min. income ≈ HK$406,076/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,550
−HK$11,483/mo
▼ 0.25% · 3.875%
HK$218,250
−HK$5,783/mo
Today · 4.125%
HK$224,033
baseline
▲ 0.50% · 4.625%
HK$235,842
+HK$11,809/mo
Deposit HK$17.95M · loan HK$41.89M · min. income ≈ HK$448,066/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,645
−HK$15,404/mo
▼ 0.25% · 3.875%
HK$253,286
−HK$7,763/mo
Today · 4.125%
HK$261,049
baseline
▲ 0.50% · 4.625%
HK$276,934
+HK$15,885/mo
Deposit HK$5.98M · loan HK$53.86M · min. income ≈ HK$522,098/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,278
−HK$14,764/mo
▼ 0.25% · 3.875%
HK$280,607
−HK$7,435/mo
Today · 4.125%
HK$288,042
baseline
▲ 0.50% · 4.625%
HK$303,225
+HK$15,183/mo
Deposit HK$5.98M · loan HK$53.86M · min. income ≈ HK$576,084/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$2,543,556 · Scale 2, in force from 26 Feb 2026)