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$135,015
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$139,215
−HK$4,267/mo
Today · 4.125%
HK$143,482
baseline
▲ 0.50% · 4.625%
HK$152,212
+HK$8,730/mo
Deposit HK$29.61M · loan HK$29.61M · min. income ≈ HK$286,964/mo (50% DSR)
Upfront cash ≈ HK$32.12M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,203
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$154,231
−HK$4,087/mo
Today · 4.125%
HK$158,318
baseline
▲ 0.50% · 4.625%
HK$166,663
+HK$8,345/mo
Deposit HK$29.61M · loan HK$29.61M · min. income ≈ HK$316,636/mo (50% DSR)
Upfront cash ≈ HK$32.12M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,018
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$167,058
−HK$5,120/mo
Today · 4.125%
HK$172,178
baseline
▲ 0.50% · 4.625%
HK$182,654
+HK$10,476/mo
Deposit HK$23.68M · loan HK$35.53M · min. income ≈ HK$344,356/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,243
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$185,077
−HK$4,904/mo
Today · 4.125%
HK$189,981
baseline
▲ 0.50% · 4.625%
HK$199,995
+HK$10,014/mo
Deposit HK$23.68M · loan HK$35.53M · min. income ≈ HK$379,962/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,021
−HK$11,853/mo
▼ 0.25% · 3.875%
HK$194,901
−HK$5,973/mo
Today · 4.125%
HK$200,874
baseline
▲ 0.50% · 4.625%
HK$213,097
+HK$12,223/mo
Deposit HK$17.76M · loan HK$41.45M · min. income ≈ HK$401,748/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,284
−HK$11,361/mo
▼ 0.25% · 3.875%
HK$215,924
−HK$5,721/mo
Today · 4.125%
HK$221,645
baseline
▲ 0.50% · 4.625%
HK$233,328
+HK$11,683/mo
Deposit HK$17.76M · loan HK$41.45M · min. income ≈ HK$443,290/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,027
−HK$15,240/mo
▼ 0.25% · 3.875%
HK$250,586
−HK$7,681/mo
Today · 4.125%
HK$258,267
baseline
▲ 0.50% · 4.625%
HK$273,982
+HK$15,715/mo
Deposit HK$5.92M · loan HK$53.29M · min. income ≈ HK$516,534/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,365
−HK$14,607/mo
▼ 0.25% · 3.875%
HK$277,616
−HK$7,356/mo
Today · 4.125%
HK$284,972
baseline
▲ 0.50% · 4.625%
HK$299,993
+HK$15,021/mo
Deposit HK$5.92M · loan HK$53.29M · min. income ≈ HK$569,944/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,516,443 · Scale 2, in force from 26 Feb 2026)