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$134,828
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$139,022
−HK$4,261/mo
Today · 4.125%
HK$143,283
baseline
▲ 0.50% · 4.625%
HK$152,001
+HK$8,718/mo
Deposit HK$29.56M · loan HK$29.56M · min. income ≈ HK$286,566/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,995
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,018
−HK$4,081/mo
Today · 4.125%
HK$158,099
baseline
▲ 0.50% · 4.625%
HK$166,432
+HK$8,333/mo
Deposit HK$29.56M · loan HK$29.56M · min. income ≈ HK$316,198/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,794
−HK$10,146/mo
▼ 0.25% · 3.875%
HK$166,826
−HK$5,114/mo
Today · 4.125%
HK$171,940
baseline
▲ 0.50% · 4.625%
HK$182,402
+HK$10,462/mo
Deposit HK$23.65M · loan HK$35.48M · min. income ≈ HK$343,880/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,994
−HK$9,724/mo
▼ 0.25% · 3.875%
HK$184,821
−HK$4,897/mo
Today · 4.125%
HK$189,718
baseline
▲ 0.50% · 4.625%
HK$199,719
+HK$10,001/mo
Deposit HK$23.65M · loan HK$35.48M · min. income ≈ HK$379,436/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,759
−HK$11,837/mo
▼ 0.25% · 3.875%
HK$194,631
−HK$5,965/mo
Today · 4.125%
HK$200,596
baseline
▲ 0.50% · 4.625%
HK$212,802
+HK$12,206/mo
Deposit HK$17.74M · loan HK$41.39M · min. income ≈ HK$401,192/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,993
−HK$11,345/mo
▼ 0.25% · 3.875%
HK$215,625
−HK$5,713/mo
Today · 4.125%
HK$221,338
baseline
▲ 0.50% · 4.625%
HK$233,005
+HK$11,667/mo
Deposit HK$17.74M · loan HK$41.39M · min. income ≈ HK$442,676/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,691
−HK$15,218/mo
▼ 0.25% · 3.875%
HK$250,240
−HK$7,669/mo
Today · 4.125%
HK$257,909
baseline
▲ 0.50% · 4.625%
HK$273,603
+HK$15,694/mo
Deposit HK$5.91M · loan HK$53.22M · min. income ≈ HK$515,818/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,991
−HK$14,587/mo
▼ 0.25% · 3.875%
HK$277,232
−HK$7,346/mo
Today · 4.125%
HK$284,578
baseline
▲ 0.50% · 4.625%
HK$299,578
+HK$15,000/mo
Deposit HK$5.91M · loan HK$53.22M · min. income ≈ HK$569,156/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,512,961 · Scale 2, in force from 26 Feb 2026)