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$135,245
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,452
−HK$4,274/mo
Today · 4.125%
HK$143,726
baseline
▲ 0.50% · 4.625%
HK$152,471
+HK$8,745/mo
Deposit HK$29.66M · loan HK$29.66M · min. income ≈ HK$287,452/mo (50% DSR)
Upfront cash ≈ HK$32.18M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,458
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,494
−HK$4,093/mo
Today · 4.125%
HK$158,587
baseline
▲ 0.50% · 4.625%
HK$166,947
+HK$8,360/mo
Deposit HK$29.66M · loan HK$29.66M · min. income ≈ HK$317,174/mo (50% DSR)
Upfront cash ≈ HK$32.18M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,294
−HK$10,177/mo
▼ 0.25% · 3.875%
HK$167,342
−HK$5,129/mo
Today · 4.125%
HK$172,471
baseline
▲ 0.50% · 4.625%
HK$182,965
+HK$10,494/mo
Deposit HK$23.72M · loan HK$35.59M · min. income ≈ HK$344,942/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,550
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$185,392
−HK$4,913/mo
Today · 4.125%
HK$190,305
baseline
▲ 0.50% · 4.625%
HK$200,336
+HK$10,031/mo
Deposit HK$23.72M · loan HK$35.59M · min. income ≈ HK$380,610/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,343
−HK$11,873/mo
▼ 0.25% · 3.875%
HK$195,232
−HK$5,984/mo
Today · 4.125%
HK$201,216
baseline
▲ 0.50% · 4.625%
HK$213,460
+HK$12,244/mo
Deposit HK$17.79M · loan HK$41.52M · min. income ≈ HK$402,432/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,642
−HK$11,380/mo
▼ 0.25% · 3.875%
HK$216,291
−HK$5,731/mo
Today · 4.125%
HK$222,022
baseline
▲ 0.50% · 4.625%
HK$233,725
+HK$11,703/mo
Deposit HK$17.79M · loan HK$41.52M · min. income ≈ HK$444,044/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,441
−HK$15,265/mo
▼ 0.25% · 3.875%
HK$251,013
−HK$7,693/mo
Today · 4.125%
HK$258,706
baseline
▲ 0.50% · 4.625%
HK$274,448
+HK$15,742/mo
Deposit HK$5.93M · loan HK$53.38M · min. income ≈ HK$517,412/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,825
−HK$14,632/mo
▼ 0.25% · 3.875%
HK$278,089
−HK$7,368/mo
Today · 4.125%
HK$285,457
baseline
▲ 0.50% · 4.625%
HK$300,504
+HK$15,047/mo
Deposit HK$5.93M · loan HK$53.38M · min. income ≈ HK$570,914/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,520,727 · Scale 2, in force from 26 Feb 2026)