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$132,958
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,094
−HK$4,202/mo
Today · 4.125%
HK$141,296
baseline
▲ 0.50% · 4.625%
HK$149,893
+HK$8,597/mo
Deposit HK$29.15M · loan HK$29.15M · min. income ≈ HK$282,592/mo (50% DSR)
Upfront cash ≈ HK$31.63M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,915
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$151,882
−HK$4,024/mo
Today · 4.125%
HK$155,906
baseline
▲ 0.50% · 4.625%
HK$164,124
+HK$8,218/mo
Deposit HK$29.15M · loan HK$29.15M · min. income ≈ HK$311,812/mo (50% DSR)
Upfront cash ≈ HK$31.63M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,550
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$164,513
−HK$5,042/mo
Today · 4.125%
HK$169,555
baseline
▲ 0.50% · 4.625%
HK$179,872
+HK$10,317/mo
Deposit HK$23.32M · loan HK$34.99M · min. income ≈ HK$339,110/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,498
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$182,258
−HK$4,829/mo
Today · 4.125%
HK$187,087
baseline
▲ 0.50% · 4.625%
HK$196,949
+HK$9,862/mo
Deposit HK$23.32M · loan HK$34.99M · min. income ≈ HK$374,174/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,142
−HK$11,672/mo
▼ 0.25% · 3.875%
HK$191,932
−HK$5,882/mo
Today · 4.125%
HK$197,814
baseline
▲ 0.50% · 4.625%
HK$209,851
+HK$12,037/mo
Deposit HK$17.49M · loan HK$40.82M · min. income ≈ HK$395,628/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,081
−HK$11,188/mo
▼ 0.25% · 3.875%
HK$212,634
−HK$5,635/mo
Today · 4.125%
HK$218,269
baseline
▲ 0.50% · 4.625%
HK$229,774
+HK$11,505/mo
Deposit HK$17.49M · loan HK$40.82M · min. income ≈ HK$436,538/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,325
−HK$15,008/mo
▼ 0.25% · 3.875%
HK$246,769
−HK$7,564/mo
Today · 4.125%
HK$254,333
baseline
▲ 0.50% · 4.625%
HK$269,808
+HK$15,475/mo
Deposit HK$5.83M · loan HK$52.48M · min. income ≈ HK$508,666/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,247
−HK$14,384/mo
▼ 0.25% · 3.875%
HK$273,387
−HK$7,244/mo
Today · 4.125%
HK$280,631
baseline
▲ 0.50% · 4.625%
HK$295,423
+HK$14,792/mo
Deposit HK$5.83M · loan HK$52.48M · min. income ≈ HK$561,262/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,111 · Scale 2, in force from 26 Feb 2026)