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$134,852
−HK$8,457/mo
▼ 0.25% · 3.875%
HK$139,047
−HK$4,262/mo
Today · 4.125%
HK$143,309
baseline
▲ 0.50% · 4.625%
HK$152,029
+HK$8,720/mo
Deposit HK$29.57M · loan HK$29.57M · min. income ≈ HK$286,618/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,022
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$154,045
−HK$4,082/mo
Today · 4.125%
HK$158,127
baseline
▲ 0.50% · 4.625%
HK$166,462
+HK$8,335/mo
Deposit HK$29.57M · loan HK$29.57M · min. income ≈ HK$316,254/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,823
−HK$10,148/mo
▼ 0.25% · 3.875%
HK$166,857
−HK$5,114/mo
Today · 4.125%
HK$171,971
baseline
▲ 0.50% · 4.625%
HK$182,435
+HK$10,464/mo
Deposit HK$23.66M · loan HK$35.48M · min. income ≈ HK$343,942/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,026
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$184,855
−HK$4,898/mo
Today · 4.125%
HK$189,753
baseline
▲ 0.50% · 4.625%
HK$199,755
+HK$10,002/mo
Deposit HK$23.66M · loan HK$35.48M · min. income ≈ HK$379,506/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,793
−HK$11,839/mo
▼ 0.25% · 3.875%
HK$194,666
−HK$5,966/mo
Today · 4.125%
HK$200,632
baseline
▲ 0.50% · 4.625%
HK$212,840
+HK$12,208/mo
Deposit HK$17.74M · loan HK$41.40M · min. income ≈ HK$401,264/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,031
−HK$11,347/mo
▼ 0.25% · 3.875%
HK$215,664
−HK$5,714/mo
Today · 4.125%
HK$221,378
baseline
▲ 0.50% · 4.625%
HK$233,047
+HK$11,669/mo
Deposit HK$17.74M · loan HK$41.40M · min. income ≈ HK$442,756/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,734
−HK$15,222/mo
▼ 0.25% · 3.875%
HK$250,285
−HK$7,671/mo
Today · 4.125%
HK$257,956
baseline
▲ 0.50% · 4.625%
HK$273,652
+HK$15,696/mo
Deposit HK$5.91M · loan HK$53.23M · min. income ≈ HK$515,912/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,040
−HK$14,589/mo
▼ 0.25% · 3.875%
HK$277,282
−HK$7,347/mo
Today · 4.125%
HK$284,629
baseline
▲ 0.50% · 4.625%
HK$299,632
+HK$15,003/mo
Deposit HK$5.91M · loan HK$53.23M · min. income ≈ HK$569,258/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,414 · Scale 2, in force from 26 Feb 2026)