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$133,083
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$137,222
−HK$4,206/mo
Today · 4.125%
HK$141,428
baseline
▲ 0.50% · 4.625%
HK$150,034
+HK$8,606/mo
Deposit HK$29.18M · loan HK$29.18M · min. income ≈ HK$282,856/mo (50% DSR)
Upfront cash ≈ HK$31.66M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,053
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,024
−HK$4,028/mo
Today · 4.125%
HK$156,052
baseline
▲ 0.50% · 4.625%
HK$164,277
+HK$8,225/mo
Deposit HK$29.18M · loan HK$29.18M · min. income ≈ HK$312,104/mo (50% DSR)
Upfront cash ≈ HK$31.66M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,699
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$164,667
−HK$5,047/mo
Today · 4.125%
HK$169,714
baseline
▲ 0.50% · 4.625%
HK$180,040
+HK$10,326/mo
Deposit HK$23.35M · loan HK$35.02M · min. income ≈ HK$339,428/mo (50% DSR)
Upfront cash ≈ HK$25.83M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,664
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$182,428
−HK$4,834/mo
Today · 4.125%
HK$187,262
baseline
▲ 0.50% · 4.625%
HK$197,133
+HK$9,871/mo
Deposit HK$23.35M · loan HK$35.02M · min. income ≈ HK$374,524/mo (50% DSR)
Upfront cash ≈ HK$25.83M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,316
−HK$11,683/mo
▼ 0.25% · 3.875%
HK$192,111
−HK$5,888/mo
Today · 4.125%
HK$197,999
baseline
▲ 0.50% · 4.625%
HK$210,047
+HK$12,048/mo
Deposit HK$17.51M · loan HK$40.85M · min. income ≈ HK$395,998/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,274
−HK$11,199/mo
▼ 0.25% · 3.875%
HK$212,833
−HK$5,640/mo
Today · 4.125%
HK$218,473
baseline
▲ 0.50% · 4.625%
HK$229,988
+HK$11,515/mo
Deposit HK$17.51M · loan HK$40.85M · min. income ≈ HK$436,946/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,549
−HK$15,021/mo
▼ 0.25% · 3.875%
HK$247,000
−HK$7,570/mo
Today · 4.125%
HK$254,570
baseline
▲ 0.50% · 4.625%
HK$270,060
+HK$15,490/mo
Deposit HK$5.84M · loan HK$52.53M · min. income ≈ HK$509,140/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,495
−HK$14,398/mo
▼ 0.25% · 3.875%
HK$273,643
−HK$7,250/mo
Today · 4.125%
HK$280,893
baseline
▲ 0.50% · 4.625%
HK$295,699
+HK$14,806/mo
Deposit HK$5.84M · loan HK$52.53M · min. income ≈ HK$561,786/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,480,426 · Scale 2, in force from 26 Feb 2026)