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$132,664
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,791
−HK$4,192/mo
Today · 4.125%
HK$140,983
baseline
▲ 0.50% · 4.625%
HK$149,562
+HK$8,579/mo
Deposit HK$29.09M · loan HK$29.09M · min. income ≈ HK$281,966/mo (50% DSR)
Upfront cash ≈ HK$31.56M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,588
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,546
−HK$4,015/mo
Today · 4.125%
HK$155,561
baseline
▲ 0.50% · 4.625%
HK$163,761
+HK$8,200/mo
Deposit HK$29.09M · loan HK$29.09M · min. income ≈ HK$311,122/mo (50% DSR)
Upfront cash ≈ HK$31.56M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,197
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$164,149
−HK$5,031/mo
Today · 4.125%
HK$169,180
baseline
▲ 0.50% · 4.625%
HK$179,474
+HK$10,294/mo
Deposit HK$23.27M · loan HK$34.91M · min. income ≈ HK$338,360/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,105
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$181,855
−HK$4,818/mo
Today · 4.125%
HK$186,673
baseline
▲ 0.50% · 4.625%
HK$196,513
+HK$9,840/mo
Deposit HK$23.27M · loan HK$34.91M · min. income ≈ HK$373,346/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,730
−HK$11,647/mo
▼ 0.25% · 3.875%
HK$191,507
−HK$5,870/mo
Today · 4.125%
HK$197,377
baseline
▲ 0.50% · 4.625%
HK$209,387
+HK$12,010/mo
Deposit HK$17.45M · loan HK$40.73M · min. income ≈ HK$394,754/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,623
−HK$11,163/mo
▼ 0.25% · 3.875%
HK$212,164
−HK$5,622/mo
Today · 4.125%
HK$217,786
baseline
▲ 0.50% · 4.625%
HK$229,265
+HK$11,479/mo
Deposit HK$17.45M · loan HK$40.73M · min. income ≈ HK$435,572/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,795
−HK$14,975/mo
▼ 0.25% · 3.875%
HK$246,223
−HK$7,547/mo
Today · 4.125%
HK$253,770
baseline
▲ 0.50% · 4.625%
HK$269,211
+HK$15,441/mo
Deposit HK$5.82M · loan HK$52.36M · min. income ≈ HK$507,540/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,658
−HK$14,352/mo
▼ 0.25% · 3.875%
HK$272,782
−HK$7,228/mo
Today · 4.125%
HK$280,010
baseline
▲ 0.50% · 4.625%
HK$294,770
+HK$14,760/mo
Deposit HK$5.82M · loan HK$52.36M · min. income ≈ HK$560,020/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,472,628 · Scale 2, in force from 26 Feb 2026)