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$133,024
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,161
−HK$4,204/mo
Today · 4.125%
HK$141,365
baseline
▲ 0.50% · 4.625%
HK$149,967
+HK$8,602/mo
Deposit HK$29.17M · loan HK$29.17M · min. income ≈ HK$282,730/mo (50% DSR)
Upfront cash ≈ HK$31.65M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,987
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,956
−HK$4,027/mo
Today · 4.125%
HK$155,983
baseline
▲ 0.50% · 4.625%
HK$164,205
+HK$8,222/mo
Deposit HK$29.17M · loan HK$29.17M · min. income ≈ HK$311,966/mo (50% DSR)
Upfront cash ≈ HK$31.65M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,628
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,594
−HK$5,044/mo
Today · 4.125%
HK$169,638
baseline
▲ 0.50% · 4.625%
HK$179,961
+HK$10,323/mo
Deposit HK$23.33M · loan HK$35.00M · min. income ≈ HK$339,276/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,585
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,348
−HK$4,831/mo
Today · 4.125%
HK$187,179
baseline
▲ 0.50% · 4.625%
HK$197,046
+HK$9,867/mo
Deposit HK$23.33M · loan HK$35.00M · min. income ≈ HK$374,358/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,233
−HK$11,679/mo
▼ 0.25% · 3.875%
HK$192,026
−HK$5,886/mo
Today · 4.125%
HK$197,912
baseline
▲ 0.50% · 4.625%
HK$209,954
+HK$12,042/mo
Deposit HK$17.50M · loan HK$40.84M · min. income ≈ HK$395,824/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,182
−HK$11,194/mo
▼ 0.25% · 3.875%
HK$212,739
−HK$5,637/mo
Today · 4.125%
HK$218,376
baseline
▲ 0.50% · 4.625%
HK$229,887
+HK$11,511/mo
Deposit HK$17.50M · loan HK$40.84M · min. income ≈ HK$436,752/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,443
−HK$15,015/mo
▼ 0.25% · 3.875%
HK$246,891
−HK$7,567/mo
Today · 4.125%
HK$254,458
baseline
▲ 0.50% · 4.625%
HK$269,941
+HK$15,483/mo
Deposit HK$5.83M · loan HK$52.50M · min. income ≈ HK$508,916/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,377
−HK$14,392/mo
▼ 0.25% · 3.875%
HK$273,522
−HK$7,247/mo
Today · 4.125%
HK$280,769
baseline
▲ 0.50% · 4.625%
HK$295,569
+HK$14,800/mo
Deposit HK$5.83M · loan HK$52.50M · min. income ≈ HK$561,538/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,479,329 · Scale 2, in force from 26 Feb 2026)