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$134,447
−HK$8,431/mo
▼ 0.25% · 3.875%
HK$138,629
−HK$4,249/mo
Today · 4.125%
HK$142,878
baseline
▲ 0.50% · 4.625%
HK$151,572
+HK$8,694/mo
Deposit HK$29.48M · loan HK$29.48M · min. income ≈ HK$285,756/mo (50% DSR)
Upfront cash ≈ HK$31.99M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,571
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,582
−HK$4,070/mo
Today · 4.125%
HK$157,652
baseline
▲ 0.50% · 4.625%
HK$165,962
+HK$8,310/mo
Deposit HK$29.48M · loan HK$29.48M · min. income ≈ HK$315,304/mo (50% DSR)
Upfront cash ≈ HK$31.99M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,337
−HK$10,117/mo
▼ 0.25% · 3.875%
HK$166,355
−HK$5,099/mo
Today · 4.125%
HK$171,454
baseline
▲ 0.50% · 4.625%
HK$181,886
+HK$10,432/mo
Deposit HK$23.58M · loan HK$35.38M · min. income ≈ HK$342,908/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,485
−HK$9,697/mo
▼ 0.25% · 3.875%
HK$184,299
−HK$4,883/mo
Today · 4.125%
HK$189,182
baseline
▲ 0.50% · 4.625%
HK$199,154
+HK$9,972/mo
Deposit HK$23.58M · loan HK$35.38M · min. income ≈ HK$378,364/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,226
−HK$11,803/mo
▼ 0.25% · 3.875%
HK$194,081
−HK$5,948/mo
Today · 4.125%
HK$200,029
baseline
▲ 0.50% · 4.625%
HK$212,201
+HK$12,172/mo
Deposit HK$17.69M · loan HK$41.27M · min. income ≈ HK$400,058/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,399
−HK$11,314/mo
▼ 0.25% · 3.875%
HK$215,015
−HK$5,698/mo
Today · 4.125%
HK$220,713
baseline
▲ 0.50% · 4.625%
HK$232,347
+HK$11,634/mo
Deposit HK$17.69M · loan HK$41.27M · min. income ≈ HK$441,426/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,005
−HK$15,176/mo
▼ 0.25% · 3.875%
HK$249,533
−HK$7,648/mo
Today · 4.125%
HK$257,181
baseline
▲ 0.50% · 4.625%
HK$272,829
+HK$15,648/mo
Deposit HK$5.90M · loan HK$53.07M · min. income ≈ HK$514,362/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,228
−HK$14,545/mo
▼ 0.25% · 3.875%
HK$276,448
−HK$7,325/mo
Today · 4.125%
HK$283,773
baseline
▲ 0.50% · 4.625%
HK$298,732
+HK$14,959/mo
Deposit HK$5.90M · loan HK$53.07M · min. income ≈ HK$567,546/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,505,860 · Scale 2, in force from 26 Feb 2026)