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$132,676
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$136,803
−HK$4,193/mo
Today · 4.125%
HK$140,996
baseline
▲ 0.50% · 4.625%
HK$149,576
+HK$8,580/mo
Deposit HK$29.09M · loan HK$29.09M · min. income ≈ HK$281,992/mo (50% DSR)
Upfront cash ≈ HK$31.57M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,601
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,560
−HK$4,016/mo
Today · 4.125%
HK$155,576
baseline
▲ 0.50% · 4.625%
HK$163,776
+HK$8,200/mo
Deposit HK$29.09M · loan HK$29.09M · min. income ≈ HK$311,152/mo (50% DSR)
Upfront cash ≈ HK$31.57M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,212
−HK$9,984/mo
▼ 0.25% · 3.875%
HK$164,164
−HK$5,032/mo
Today · 4.125%
HK$169,196
baseline
▲ 0.50% · 4.625%
HK$179,491
+HK$10,295/mo
Deposit HK$23.27M · loan HK$34.91M · min. income ≈ HK$338,392/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,121
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$181,872
−HK$4,819/mo
Today · 4.125%
HK$186,691
baseline
▲ 0.50% · 4.625%
HK$196,531
+HK$9,840/mo
Deposit HK$23.27M · loan HK$34.91M · min. income ≈ HK$373,382/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,747
−HK$11,648/mo
▼ 0.25% · 3.875%
HK$191,525
−HK$5,870/mo
Today · 4.125%
HK$197,395
baseline
▲ 0.50% · 4.625%
HK$209,406
+HK$12,011/mo
Deposit HK$17.46M · loan HK$40.73M · min. income ≈ HK$394,790/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,642
−HK$11,164/mo
▼ 0.25% · 3.875%
HK$212,184
−HK$5,622/mo
Today · 4.125%
HK$217,806
baseline
▲ 0.50% · 4.625%
HK$229,287
+HK$11,481/mo
Deposit HK$17.46M · loan HK$40.73M · min. income ≈ HK$435,612/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,818
−HK$14,976/mo
▼ 0.25% · 3.875%
HK$246,246
−HK$7,548/mo
Today · 4.125%
HK$253,794
baseline
▲ 0.50% · 4.625%
HK$269,236
+HK$15,442/mo
Deposit HK$5.82M · loan HK$52.37M · min. income ≈ HK$507,588/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,682
−HK$14,354/mo
▼ 0.25% · 3.875%
HK$272,808
−HK$7,228/mo
Today · 4.125%
HK$280,036
baseline
▲ 0.50% · 4.625%
HK$294,797
+HK$14,761/mo
Deposit HK$5.82M · loan HK$52.37M · min. income ≈ HK$560,072/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,472,858 · Scale 2, in force from 26 Feb 2026)