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$132,543
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$136,666
−HK$4,189/mo
Today · 4.125%
HK$140,855
baseline
▲ 0.50% · 4.625%
HK$149,425
+HK$8,570/mo
Deposit HK$29.06M · loan HK$29.06M · min. income ≈ HK$281,710/mo (50% DSR)
Upfront cash ≈ HK$31.53M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,453
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$151,407
−HK$4,012/mo
Today · 4.125%
HK$155,419
baseline
▲ 0.50% · 4.625%
HK$163,612
+HK$8,193/mo
Deposit HK$29.06M · loan HK$29.06M · min. income ≈ HK$310,838/mo (50% DSR)
Upfront cash ≈ HK$31.53M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,052
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$163,999
−HK$5,027/mo
Today · 4.125%
HK$169,026
baseline
▲ 0.50% · 4.625%
HK$179,310
+HK$10,284/mo
Deposit HK$23.25M · loan HK$34.88M · min. income ≈ HK$338,052/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,943
−HK$9,560/mo
▼ 0.25% · 3.875%
HK$181,689
−HK$4,814/mo
Today · 4.125%
HK$186,503
baseline
▲ 0.50% · 4.625%
HK$196,334
+HK$9,831/mo
Deposit HK$23.25M · loan HK$34.88M · min. income ≈ HK$373,006/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,560
−HK$11,637/mo
▼ 0.25% · 3.875%
HK$191,332
−HK$5,865/mo
Today · 4.125%
HK$197,197
baseline
▲ 0.50% · 4.625%
HK$209,195
+HK$11,998/mo
Deposit HK$17.44M · loan HK$40.69M · min. income ≈ HK$394,394/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,434
−HK$11,153/mo
▼ 0.25% · 3.875%
HK$211,970
−HK$5,617/mo
Today · 4.125%
HK$217,587
baseline
▲ 0.50% · 4.625%
HK$229,056
+HK$11,469/mo
Deposit HK$17.44M · loan HK$40.69M · min. income ≈ HK$435,174/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,577
−HK$14,961/mo
▼ 0.25% · 3.875%
HK$245,999
−HK$7,539/mo
Today · 4.125%
HK$253,538
baseline
▲ 0.50% · 4.625%
HK$268,966
+HK$15,428/mo
Deposit HK$5.81M · loan HK$52.31M · min. income ≈ HK$507,076/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,415
−HK$14,340/mo
▼ 0.25% · 3.875%
HK$272,533
−HK$7,222/mo
Today · 4.125%
HK$279,755
baseline
▲ 0.50% · 4.625%
HK$294,501
+HK$14,746/mo
Deposit HK$5.81M · loan HK$52.31M · min. income ≈ HK$559,510/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$2,470,371 · Scale 2, in force from 26 Feb 2026)