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$135,953
−HK$8,526/mo
▼ 0.25% · 3.875%
HK$140,182
−HK$4,297/mo
Today · 4.125%
HK$144,479
baseline
▲ 0.50% · 4.625%
HK$153,270
+HK$8,791/mo
Deposit HK$29.81M · loan HK$29.81M · min. income ≈ HK$288,958/mo (50% DSR)
Upfront cash ≈ HK$32.34M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,247
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,303
−HK$4,115/mo
Today · 4.125%
HK$159,418
baseline
▲ 0.50% · 4.625%
HK$167,821
+HK$8,403/mo
Deposit HK$29.81M · loan HK$29.81M · min. income ≈ HK$318,836/mo (50% DSR)
Upfront cash ≈ HK$32.34M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,144
−HK$10,230/mo
▼ 0.25% · 3.875%
HK$168,218
−HK$5,156/mo
Today · 4.125%
HK$173,374
baseline
▲ 0.50% · 4.625%
HK$183,924
+HK$10,550/mo
Deposit HK$23.85M · loan HK$35.77M · min. income ≈ HK$346,748/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,496
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$186,363
−HK$4,938/mo
Today · 4.125%
HK$191,301
baseline
▲ 0.50% · 4.625%
HK$201,385
+HK$10,084/mo
Deposit HK$23.85M · loan HK$35.77M · min. income ≈ HK$382,602/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,334
−HK$11,936/mo
▼ 0.25% · 3.875%
HK$196,255
−HK$6,015/mo
Today · 4.125%
HK$202,270
baseline
▲ 0.50% · 4.625%
HK$214,578
+HK$12,308/mo
Deposit HK$17.89M · loan HK$41.74M · min. income ≈ HK$404,540/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,745
−HK$11,440/mo
▼ 0.25% · 3.875%
HK$217,424
−HK$5,761/mo
Today · 4.125%
HK$223,185
baseline
▲ 0.50% · 4.625%
HK$234,949
+HK$11,764/mo
Deposit HK$17.89M · loan HK$41.74M · min. income ≈ HK$446,370/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,716
−HK$15,345/mo
▼ 0.25% · 3.875%
HK$252,328
−HK$7,733/mo
Today · 4.125%
HK$260,061
baseline
▲ 0.50% · 4.625%
HK$275,886
+HK$15,825/mo
Deposit HK$5.96M · loan HK$53.66M · min. income ≈ HK$520,122/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,244
−HK$14,708/mo
▼ 0.25% · 3.875%
HK$279,545
−HK$7,407/mo
Today · 4.125%
HK$286,952
baseline
▲ 0.50% · 4.625%
HK$302,078
+HK$15,126/mo
Deposit HK$5.96M · loan HK$53.66M · min. income ≈ HK$573,904/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,533,930 · Scale 2, in force from 26 Feb 2026)