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$134,627
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,814
−HK$4,255/mo
Today · 4.125%
HK$143,069
baseline
▲ 0.50% · 4.625%
HK$151,775
+HK$8,706/mo
Deposit HK$29.52M · loan HK$29.52M · min. income ≈ HK$286,138/mo (50% DSR)
Upfront cash ≈ HK$32.03M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,771
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,788
−HK$4,075/mo
Today · 4.125%
HK$157,863
baseline
▲ 0.50% · 4.625%
HK$166,184
+HK$8,321/mo
Deposit HK$29.52M · loan HK$29.52M · min. income ≈ HK$315,726/mo (50% DSR)
Upfront cash ≈ HK$32.03M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,552
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$166,577
−HK$5,106/mo
Today · 4.125%
HK$171,683
baseline
▲ 0.50% · 4.625%
HK$182,129
+HK$10,446/mo
Deposit HK$23.62M · loan HK$35.42M · min. income ≈ HK$343,366/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,725
−HK$9,710/mo
▼ 0.25% · 3.875%
HK$184,545
−HK$4,890/mo
Today · 4.125%
HK$189,435
baseline
▲ 0.50% · 4.625%
HK$199,421
+HK$9,986/mo
Deposit HK$23.62M · loan HK$35.42M · min. income ≈ HK$378,870/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,478
−HK$11,819/mo
▼ 0.25% · 3.875%
HK$194,340
−HK$5,957/mo
Today · 4.125%
HK$200,297
baseline
▲ 0.50% · 4.625%
HK$212,484
+HK$12,187/mo
Deposit HK$17.71M · loan HK$41.33M · min. income ≈ HK$400,594/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,679
−HK$11,329/mo
▼ 0.25% · 3.875%
HK$215,303
−HK$5,705/mo
Today · 4.125%
HK$221,008
baseline
▲ 0.50% · 4.625%
HK$232,657
+HK$11,649/mo
Deposit HK$17.71M · loan HK$41.33M · min. income ≈ HK$442,016/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,328
−HK$15,196/mo
▼ 0.25% · 3.875%
HK$249,866
−HK$7,658/mo
Today · 4.125%
HK$257,524
baseline
▲ 0.50% · 4.625%
HK$273,194
+HK$15,670/mo
Deposit HK$5.90M · loan HK$53.14M · min. income ≈ HK$515,048/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,588
−HK$14,565/mo
▼ 0.25% · 3.875%
HK$276,818
−HK$7,335/mo
Today · 4.125%
HK$284,153
baseline
▲ 0.50% · 4.625%
HK$299,131
+HK$14,978/mo
Deposit HK$5.90M · loan HK$53.14M · min. income ≈ HK$568,306/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,509,210 · Scale 2, in force from 26 Feb 2026)