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$136,176
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$140,412
−HK$4,304/mo
Today · 4.125%
HK$144,716
baseline
▲ 0.50% · 4.625%
HK$153,521
+HK$8,805/mo
Deposit HK$29.86M · loan HK$29.86M · min. income ≈ HK$289,432/mo (50% DSR)
Upfront cash ≈ HK$32.40M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,495
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$155,558
−HK$4,122/mo
Today · 4.125%
HK$159,680
baseline
▲ 0.50% · 4.625%
HK$168,096
+HK$8,416/mo
Deposit HK$29.86M · loan HK$29.86M · min. income ≈ HK$319,360/mo (50% DSR)
Upfront cash ≈ HK$32.40M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,412
−HK$10,247/mo
▼ 0.25% · 3.875%
HK$168,495
−HK$5,164/mo
Today · 4.125%
HK$173,659
baseline
▲ 0.50% · 4.625%
HK$184,226
+HK$10,567/mo
Deposit HK$23.89M · loan HK$35.83M · min. income ≈ HK$347,318/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,794
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$186,669
−HK$4,946/mo
Today · 4.125%
HK$191,615
baseline
▲ 0.50% · 4.625%
HK$201,716
+HK$10,101/mo
Deposit HK$23.89M · loan HK$35.83M · min. income ≈ HK$383,230/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,647
−HK$11,955/mo
▼ 0.25% · 3.875%
HK$196,577
−HK$6,025/mo
Today · 4.125%
HK$202,602
baseline
▲ 0.50% · 4.625%
HK$214,930
+HK$12,328/mo
Deposit HK$17.92M · loan HK$41.80M · min. income ≈ HK$405,204/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,093
−HK$11,458/mo
▼ 0.25% · 3.875%
HK$217,781
−HK$5,770/mo
Today · 4.125%
HK$223,551
baseline
▲ 0.50% · 4.625%
HK$235,335
+HK$11,784/mo
Deposit HK$17.92M · loan HK$41.80M · min. income ≈ HK$447,102/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,117
−HK$15,371/mo
▼ 0.25% · 3.875%
HK$252,742
−HK$7,746/mo
Today · 4.125%
HK$260,488
baseline
▲ 0.50% · 4.625%
HK$276,338
+HK$15,850/mo
Deposit HK$5.97M · loan HK$53.75M · min. income ≈ HK$520,976/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,690
−HK$14,733/mo
▼ 0.25% · 3.875%
HK$280,004
−HK$7,419/mo
Today · 4.125%
HK$287,423
baseline
▲ 0.50% · 4.625%
HK$302,574
+HK$15,151/mo
Deposit HK$5.97M · loan HK$53.75M · min. income ≈ HK$574,846/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,538,088 · Scale 2, in force from 26 Feb 2026)