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$135,822
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,046
−HK$4,293/mo
Today · 4.125%
HK$144,339
baseline
▲ 0.50% · 4.625%
HK$153,122
+HK$8,783/mo
Deposit HK$29.78M · loan HK$29.78M · min. income ≈ HK$288,678/mo (50% DSR)
Upfront cash ≈ HK$32.31M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,100
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$155,153
−HK$4,111/mo
Today · 4.125%
HK$159,264
baseline
▲ 0.50% · 4.625%
HK$167,659
+HK$8,395/mo
Deposit HK$29.78M · loan HK$29.78M · min. income ≈ HK$318,528/mo (50% DSR)
Upfront cash ≈ HK$32.31M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,986
−HK$10,221/mo
▼ 0.25% · 3.875%
HK$168,056
−HK$5,151/mo
Today · 4.125%
HK$173,207
baseline
▲ 0.50% · 4.625%
HK$183,746
+HK$10,539/mo
Deposit HK$23.83M · loan HK$35.74M · min. income ≈ HK$346,414/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,320
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$186,183
−HK$4,933/mo
Today · 4.125%
HK$191,116
baseline
▲ 0.50% · 4.625%
HK$201,190
+HK$10,074/mo
Deposit HK$23.83M · loan HK$35.74M · min. income ≈ HK$382,232/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,150
−HK$11,924/mo
▼ 0.25% · 3.875%
HK$196,065
−HK$6,009/mo
Today · 4.125%
HK$202,074
baseline
▲ 0.50% · 4.625%
HK$214,370
+HK$12,296/mo
Deposit HK$17.87M · loan HK$41.69M · min. income ≈ HK$404,148/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,540
−HK$11,429/mo
▼ 0.25% · 3.875%
HK$217,214
−HK$5,755/mo
Today · 4.125%
HK$222,969
baseline
▲ 0.50% · 4.625%
HK$234,722
+HK$11,753/mo
Deposit HK$17.87M · loan HK$41.69M · min. income ≈ HK$445,938/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,479
−HK$15,331/mo
▼ 0.25% · 3.875%
HK$252,084
−HK$7,726/mo
Today · 4.125%
HK$259,810
baseline
▲ 0.50% · 4.625%
HK$275,619
+HK$15,809/mo
Deposit HK$5.96M · loan HK$53.61M · min. income ≈ HK$519,620/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,980
−HK$14,695/mo
▼ 0.25% · 3.875%
HK$279,275
−HK$7,400/mo
Today · 4.125%
HK$286,675
baseline
▲ 0.50% · 4.625%
HK$301,786
+HK$15,111/mo
Deposit HK$5.96M · loan HK$53.61M · min. income ≈ HK$573,350/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,531,479 · Scale 2, in force from 26 Feb 2026)