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$132,814
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$136,945
−HK$4,198/mo
Today · 4.125%
HK$141,143
baseline
▲ 0.50% · 4.625%
HK$149,731
+HK$8,588/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$282,286/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,754
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,717
−HK$4,020/mo
Today · 4.125%
HK$155,737
baseline
▲ 0.50% · 4.625%
HK$163,946
+HK$8,209/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$311,474/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,377
−HK$9,994/mo
▼ 0.25% · 3.875%
HK$164,334
−HK$5,037/mo
Today · 4.125%
HK$169,371
baseline
▲ 0.50% · 4.625%
HK$179,677
+HK$10,306/mo
Deposit HK$23.30M · loan HK$34.95M · min. income ≈ HK$338,742/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,305
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$182,060
−HK$4,824/mo
Today · 4.125%
HK$186,884
baseline
▲ 0.50% · 4.625%
HK$196,735
+HK$9,851/mo
Deposit HK$23.30M · loan HK$34.95M · min. income ≈ HK$373,768/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,939
−HK$11,661/mo
▼ 0.25% · 3.875%
HK$191,723
−HK$5,877/mo
Today · 4.125%
HK$197,600
baseline
▲ 0.50% · 4.625%
HK$209,623
+HK$12,023/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$395,200/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,856
−HK$11,176/mo
▼ 0.25% · 3.875%
HK$212,404
−HK$5,628/mo
Today · 4.125%
HK$218,032
baseline
▲ 0.50% · 4.625%
HK$229,524
+HK$11,492/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$436,064/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,065
−HK$14,992/mo
▼ 0.25% · 3.875%
HK$246,501
−HK$7,556/mo
Today · 4.125%
HK$254,057
baseline
▲ 0.50% · 4.625%
HK$269,515
+HK$15,458/mo
Deposit HK$5.82M · loan HK$52.42M · min. income ≈ HK$508,114/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,957
−HK$14,369/mo
▼ 0.25% · 3.875%
HK$273,090
−HK$7,236/mo
Today · 4.125%
HK$280,326
baseline
▲ 0.50% · 4.625%
HK$295,103
+HK$14,777/mo
Deposit HK$5.82M · loan HK$52.42M · min. income ≈ HK$560,652/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,420 · Scale 2, in force from 26 Feb 2026)