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$134,784
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$138,977
−HK$4,259/mo
Today · 4.125%
HK$143,236
baseline
▲ 0.50% · 4.625%
HK$151,952
+HK$8,716/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$286,472/mo (50% DSR)
Upfront cash ≈ HK$32.07M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,946
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$153,968
−HK$4,079/mo
Today · 4.125%
HK$158,047
baseline
▲ 0.50% · 4.625%
HK$166,378
+HK$8,331/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$316,094/mo (50% DSR)
Upfront cash ≈ HK$32.07M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,741
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$166,772
−HK$5,112/mo
Today · 4.125%
HK$171,884
baseline
▲ 0.50% · 4.625%
HK$182,342
+HK$10,458/mo
Deposit HK$23.64M · loan HK$35.47M · min. income ≈ HK$343,768/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,935
−HK$9,722/mo
▼ 0.25% · 3.875%
HK$184,761
−HK$4,896/mo
Today · 4.125%
HK$189,657
baseline
▲ 0.50% · 4.625%
HK$199,654
+HK$9,997/mo
Deposit HK$23.64M · loan HK$35.47M · min. income ≈ HK$379,314/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,698
−HK$11,833/mo
▼ 0.25% · 3.875%
HK$194,567
−HK$5,964/mo
Today · 4.125%
HK$200,531
baseline
▲ 0.50% · 4.625%
HK$212,733
+HK$12,202/mo
Deposit HK$17.73M · loan HK$41.38M · min. income ≈ HK$401,062/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,925
−HK$11,341/mo
▼ 0.25% · 3.875%
HK$215,555
−HK$5,711/mo
Today · 4.125%
HK$221,266
baseline
▲ 0.50% · 4.625%
HK$232,929
+HK$11,663/mo
Deposit HK$17.73M · loan HK$41.38M · min. income ≈ HK$442,532/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,612
−HK$15,213/mo
▼ 0.25% · 3.875%
HK$250,158
−HK$7,667/mo
Today · 4.125%
HK$257,825
baseline
▲ 0.50% · 4.625%
HK$273,514
+HK$15,689/mo
Deposit HK$5.91M · loan HK$53.20M · min. income ≈ HK$515,650/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,903
−HK$14,582/mo
▼ 0.25% · 3.875%
HK$277,142
−HK$7,343/mo
Today · 4.125%
HK$284,485
baseline
▲ 0.50% · 4.625%
HK$299,481
+HK$14,996/mo
Deposit HK$5.91M · loan HK$53.20M · min. income ≈ HK$568,970/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,512,143 · Scale 2, in force from 26 Feb 2026)