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$136,521
−HK$8,561/mo
▼ 0.25% · 3.875%
HK$140,767
−HK$4,315/mo
Today · 4.125%
HK$145,082
baseline
▲ 0.50% · 4.625%
HK$153,910
+HK$8,828/mo
Deposit HK$29.94M · loan HK$29.94M · min. income ≈ HK$290,164/mo (50% DSR)
Upfront cash ≈ HK$32.48M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,878
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$155,951
−HK$4,132/mo
Today · 4.125%
HK$160,083
baseline
▲ 0.50% · 4.625%
HK$168,522
+HK$8,439/mo
Deposit HK$29.94M · loan HK$29.94M · min. income ≈ HK$320,166/mo (50% DSR)
Upfront cash ≈ HK$32.48M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,825
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$168,921
−HK$5,177/mo
Today · 4.125%
HK$174,098
baseline
▲ 0.50% · 4.625%
HK$184,691
+HK$10,593/mo
Deposit HK$23.95M · loan HK$35.92M · min. income ≈ HK$348,196/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,253
−HK$9,847/mo
▼ 0.25% · 3.875%
HK$187,141
−HK$4,959/mo
Today · 4.125%
HK$192,100
baseline
▲ 0.50% · 4.625%
HK$202,226
+HK$10,126/mo
Deposit HK$23.95M · loan HK$35.92M · min. income ≈ HK$384,200/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,129
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$197,074
−HK$6,040/mo
Today · 4.125%
HK$203,114
baseline
▲ 0.50% · 4.625%
HK$215,473
+HK$12,359/mo
Deposit HK$17.96M · loan HK$41.91M · min. income ≈ HK$406,228/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,629
−HK$11,488/mo
▼ 0.25% · 3.875%
HK$218,332
−HK$5,785/mo
Today · 4.125%
HK$224,117
baseline
▲ 0.50% · 4.625%
HK$235,930
+HK$11,813/mo
Deposit HK$17.96M · loan HK$41.91M · min. income ≈ HK$448,234/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,737
−HK$15,410/mo
▼ 0.25% · 3.875%
HK$253,381
−HK$7,766/mo
Today · 4.125%
HK$261,147
baseline
▲ 0.50% · 4.625%
HK$277,037
+HK$15,890/mo
Deposit HK$5.99M · loan HK$53.88M · min. income ≈ HK$522,294/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,380
−HK$14,770/mo
▼ 0.25% · 3.875%
HK$280,712
−HK$7,438/mo
Today · 4.125%
HK$288,150
baseline
▲ 0.50% · 4.625%
HK$303,339
+HK$15,189/mo
Deposit HK$5.99M · loan HK$53.88M · min. income ≈ HK$576,300/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$2,544,507 · Scale 2, in force from 26 Feb 2026)