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$132,798
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,928
−HK$4,197/mo
Today · 4.125%
HK$141,125
baseline
▲ 0.50% · 4.625%
HK$149,712
+HK$8,587/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$282,250/mo (50% DSR)
Upfront cash ≈ HK$31.59M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,736
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,698
−HK$4,020/mo
Today · 4.125%
HK$155,718
baseline
▲ 0.50% · 4.625%
HK$163,926
+HK$8,208/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$311,436/mo (50% DSR)
Upfront cash ≈ HK$31.59M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,357
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$164,314
−HK$5,036/mo
Today · 4.125%
HK$169,350
baseline
▲ 0.50% · 4.625%
HK$179,655
+HK$10,305/mo
Deposit HK$23.30M · loan HK$34.94M · min. income ≈ HK$338,700/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,283
−HK$9,578/mo
▼ 0.25% · 3.875%
HK$182,038
−HK$4,823/mo
Today · 4.125%
HK$186,861
baseline
▲ 0.50% · 4.625%
HK$196,711
+HK$9,850/mo
Deposit HK$23.30M · loan HK$34.94M · min. income ≈ HK$373,722/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,917
−HK$11,658/mo
▼ 0.25% · 3.875%
HK$191,700
−HK$5,875/mo
Today · 4.125%
HK$197,575
baseline
▲ 0.50% · 4.625%
HK$209,597
+HK$12,022/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$395,150/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,830
−HK$11,175/mo
▼ 0.25% · 3.875%
HK$212,377
−HK$5,628/mo
Today · 4.125%
HK$218,005
baseline
▲ 0.50% · 4.625%
HK$229,496
+HK$11,491/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$436,010/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,036
−HK$14,989/mo
▼ 0.25% · 3.875%
HK$246,471
−HK$7,554/mo
Today · 4.125%
HK$254,025
baseline
▲ 0.50% · 4.625%
HK$269,482
+HK$15,457/mo
Deposit HK$5.82M · loan HK$52.41M · min. income ≈ HK$508,050/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,925
−HK$14,367/mo
▼ 0.25% · 3.875%
HK$273,057
−HK$7,235/mo
Today · 4.125%
HK$280,292
baseline
▲ 0.50% · 4.625%
HK$295,066
+HK$14,774/mo
Deposit HK$5.82M · loan HK$52.41M · min. income ≈ HK$560,584/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,116 · Scale 2, in force from 26 Feb 2026)