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$136,463
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,707
−HK$4,313/mo
Today · 4.125%
HK$145,020
baseline
▲ 0.50% · 4.625%
HK$153,844
+HK$8,824/mo
Deposit HK$29.92M · loan HK$29.92M · min. income ≈ HK$290,040/mo (50% DSR)
Upfront cash ≈ HK$32.47M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,813
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,885
−HK$4,130/mo
Today · 4.125%
HK$160,015
baseline
▲ 0.50% · 4.625%
HK$168,450
+HK$8,435/mo
Deposit HK$29.92M · loan HK$29.92M · min. income ≈ HK$320,030/mo (50% DSR)
Upfront cash ≈ HK$32.47M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,755
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$168,849
−HK$5,175/mo
Today · 4.125%
HK$174,024
baseline
▲ 0.50% · 4.625%
HK$184,613
+HK$10,589/mo
Deposit HK$23.94M · loan HK$35.91M · min. income ≈ HK$348,048/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,176
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$187,062
−HK$4,956/mo
Today · 4.125%
HK$192,018
baseline
▲ 0.50% · 4.625%
HK$202,140
+HK$10,122/mo
Deposit HK$23.94M · loan HK$35.91M · min. income ≈ HK$384,036/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,048
−HK$11,980/mo
▼ 0.25% · 3.875%
HK$196,990
−HK$6,038/mo
Today · 4.125%
HK$203,028
baseline
▲ 0.50% · 4.625%
HK$215,382
+HK$12,354/mo
Deposit HK$17.95M · loan HK$41.89M · min. income ≈ HK$406,056/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,538
−HK$11,483/mo
▼ 0.25% · 3.875%
HK$218,239
−HK$5,782/mo
Today · 4.125%
HK$224,021
baseline
▲ 0.50% · 4.625%
HK$235,830
+HK$11,809/mo
Deposit HK$17.95M · loan HK$41.89M · min. income ≈ HK$448,042/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,633
−HK$15,403/mo
▼ 0.25% · 3.875%
HK$253,273
−HK$7,763/mo
Today · 4.125%
HK$261,036
baseline
▲ 0.50% · 4.625%
HK$276,919
+HK$15,883/mo
Deposit HK$5.98M · loan HK$53.86M · min. income ≈ HK$522,072/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,264
−HK$14,763/mo
▼ 0.25% · 3.875%
HK$280,593
−HK$7,434/mo
Today · 4.125%
HK$288,027
baseline
▲ 0.50% · 4.625%
HK$303,210
+HK$15,183/mo
Deposit HK$5.98M · loan HK$53.86M · min. income ≈ HK$576,054/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$2,543,424 · Scale 2, in force from 26 Feb 2026)