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$135,252
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,459
−HK$4,274/mo
Today · 4.125%
HK$143,733
baseline
▲ 0.50% · 4.625%
HK$152,479
+HK$8,746/mo
Deposit HK$29.66M · loan HK$29.66M · min. income ≈ HK$287,466/mo (50% DSR)
Upfront cash ≈ HK$32.18M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,466
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,502
−HK$4,093/mo
Today · 4.125%
HK$158,595
baseline
▲ 0.50% · 4.625%
HK$166,955
+HK$8,360/mo
Deposit HK$29.66M · loan HK$29.66M · min. income ≈ HK$317,190/mo (50% DSR)
Upfront cash ≈ HK$32.18M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,302
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,351
−HK$5,129/mo
Today · 4.125%
HK$172,480
baseline
▲ 0.50% · 4.625%
HK$182,975
+HK$10,495/mo
Deposit HK$23.73M · loan HK$35.59M · min. income ≈ HK$344,960/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,559
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$185,402
−HK$4,913/mo
Today · 4.125%
HK$190,315
baseline
▲ 0.50% · 4.625%
HK$200,346
+HK$10,031/mo
Deposit HK$23.73M · loan HK$35.59M · min. income ≈ HK$380,630/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,352
−HK$11,875/mo
▼ 0.25% · 3.875%
HK$195,242
−HK$5,985/mo
Today · 4.125%
HK$201,227
baseline
▲ 0.50% · 4.625%
HK$213,471
+HK$12,244/mo
Deposit HK$17.79M · loan HK$41.52M · min. income ≈ HK$402,454/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,653
−HK$11,381/mo
▼ 0.25% · 3.875%
HK$216,302
−HK$5,732/mo
Today · 4.125%
HK$222,034
baseline
▲ 0.50% · 4.625%
HK$233,737
+HK$11,703/mo
Deposit HK$17.79M · loan HK$41.52M · min. income ≈ HK$444,068/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,453
−HK$15,267/mo
▼ 0.25% · 3.875%
HK$251,026
−HK$7,694/mo
Today · 4.125%
HK$258,720
baseline
▲ 0.50% · 4.625%
HK$274,462
+HK$15,742/mo
Deposit HK$5.93M · loan HK$53.38M · min. income ≈ HK$517,440/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,839
−HK$14,633/mo
▼ 0.25% · 3.875%
HK$278,103
−HK$7,369/mo
Today · 4.125%
HK$285,472
baseline
▲ 0.50% · 4.625%
HK$300,519
+HK$15,047/mo
Deposit HK$5.93M · loan HK$53.38M · min. income ≈ HK$570,944/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,520,857 · Scale 2, in force from 26 Feb 2026)