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$132,733
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$136,862
−HK$4,195/mo
Today · 4.125%
HK$141,057
baseline
▲ 0.50% · 4.625%
HK$149,640
+HK$8,583/mo
Deposit HK$29.10M · loan HK$29.10M · min. income ≈ HK$282,114/mo (50% DSR)
Upfront cash ≈ HK$31.58M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,664
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,624
−HK$4,018/mo
Today · 4.125%
HK$155,642
baseline
▲ 0.50% · 4.625%
HK$163,846
+HK$8,204/mo
Deposit HK$29.10M · loan HK$29.10M · min. income ≈ HK$311,284/mo (50% DSR)
Upfront cash ≈ HK$31.58M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,280
−HK$9,988/mo
▼ 0.25% · 3.875%
HK$164,234
−HK$5,034/mo
Today · 4.125%
HK$169,268
baseline
▲ 0.50% · 4.625%
HK$179,567
+HK$10,299/mo
Deposit HK$23.28M · loan HK$34.93M · min. income ≈ HK$338,536/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,197
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$181,949
−HK$4,821/mo
Today · 4.125%
HK$186,770
baseline
▲ 0.50% · 4.625%
HK$196,615
+HK$9,845/mo
Deposit HK$23.28M · loan HK$34.93M · min. income ≈ HK$373,540/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,826
−HK$11,653/mo
▼ 0.25% · 3.875%
HK$191,606
−HK$5,873/mo
Today · 4.125%
HK$197,479
baseline
▲ 0.50% · 4.625%
HK$209,495
+HK$12,016/mo
Deposit HK$17.46M · loan HK$40.75M · min. income ≈ HK$394,958/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,730
−HK$11,169/mo
▼ 0.25% · 3.875%
HK$212,274
−HK$5,625/mo
Today · 4.125%
HK$217,899
baseline
▲ 0.50% · 4.625%
HK$229,385
+HK$11,486/mo
Deposit HK$17.46M · loan HK$40.75M · min. income ≈ HK$435,798/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,919
−HK$14,983/mo
▼ 0.25% · 3.875%
HK$246,351
−HK$7,551/mo
Today · 4.125%
HK$253,902
baseline
▲ 0.50% · 4.625%
HK$269,351
+HK$15,449/mo
Deposit HK$5.82M · loan HK$52.39M · min. income ≈ HK$507,804/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,795
−HK$14,361/mo
▼ 0.25% · 3.875%
HK$272,924
−HK$7,232/mo
Today · 4.125%
HK$280,156
baseline
▲ 0.50% · 4.625%
HK$294,923
+HK$14,767/mo
Deposit HK$5.82M · loan HK$52.39M · min. income ≈ HK$560,312/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,473,912 · Scale 2, in force from 26 Feb 2026)