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$133,283
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$137,429
−HK$4,212/mo
Today · 4.125%
HK$141,641
baseline
▲ 0.50% · 4.625%
HK$150,259
+HK$8,618/mo
Deposit HK$29.23M · loan HK$29.23M · min. income ≈ HK$283,282/mo (50% DSR)
Upfront cash ≈ HK$31.71M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,276
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$152,252
−HK$4,035/mo
Today · 4.125%
HK$156,287
baseline
▲ 0.50% · 4.625%
HK$164,525
+HK$8,238/mo
Deposit HK$29.23M · loan HK$29.23M · min. income ≈ HK$312,574/mo (50% DSR)
Upfront cash ≈ HK$31.71M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,939
−HK$10,030/mo
▼ 0.25% · 3.875%
HK$164,914
−HK$5,055/mo
Today · 4.125%
HK$169,969
baseline
▲ 0.50% · 4.625%
HK$180,311
+HK$10,342/mo
Deposit HK$23.38M · loan HK$35.07M · min. income ≈ HK$339,938/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,931
−HK$9,613/mo
▼ 0.25% · 3.875%
HK$182,703
−HK$4,841/mo
Today · 4.125%
HK$187,544
baseline
▲ 0.50% · 4.625%
HK$197,430
+HK$9,886/mo
Deposit HK$23.38M · loan HK$35.07M · min. income ≈ HK$375,088/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,596
−HK$11,701/mo
▼ 0.25% · 3.875%
HK$192,400
−HK$5,897/mo
Today · 4.125%
HK$198,297
baseline
▲ 0.50% · 4.625%
HK$210,363
+HK$12,066/mo
Deposit HK$17.54M · loan HK$40.92M · min. income ≈ HK$396,594/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,586
−HK$11,215/mo
▼ 0.25% · 3.875%
HK$213,153
−HK$5,648/mo
Today · 4.125%
HK$218,801
baseline
▲ 0.50% · 4.625%
HK$230,335
+HK$11,534/mo
Deposit HK$17.54M · loan HK$40.92M · min. income ≈ HK$437,602/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,909
−HK$15,044/mo
▼ 0.25% · 3.875%
HK$247,372
−HK$7,581/mo
Today · 4.125%
HK$254,953
baseline
▲ 0.50% · 4.625%
HK$270,467
+HK$15,514/mo
Deposit HK$5.85M · loan HK$52.61M · min. income ≈ HK$509,906/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,896
−HK$14,420/mo
▼ 0.25% · 3.875%
HK$274,054
−HK$7,262/mo
Today · 4.125%
HK$281,316
baseline
▲ 0.50% · 4.625%
HK$296,145
+HK$14,829/mo
Deposit HK$5.85M · loan HK$52.61M · min. income ≈ HK$562,632/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,484,159 · Scale 2, in force from 26 Feb 2026)