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$133,526
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$137,680
−HK$4,219/mo
Today · 4.125%
HK$141,899
baseline
▲ 0.50% · 4.625%
HK$150,534
+HK$8,635/mo
Deposit HK$29.28M · loan HK$29.28M · min. income ≈ HK$283,798/mo (50% DSR)
Upfront cash ≈ HK$31.77M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,547
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,530
−HK$4,042/mo
Today · 4.125%
HK$156,572
baseline
▲ 0.50% · 4.625%
HK$164,825
+HK$8,253/mo
Deposit HK$29.28M · loan HK$29.28M · min. income ≈ HK$313,144/mo (50% DSR)
Upfront cash ≈ HK$31.77M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,231
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$165,216
−HK$5,063/mo
Today · 4.125%
HK$170,279
baseline
▲ 0.50% · 4.625%
HK$180,640
+HK$10,361/mo
Deposit HK$23.42M · loan HK$35.13M · min. income ≈ HK$340,558/mo (50% DSR)
Upfront cash ≈ HK$25.91M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,256
−HK$9,630/mo
▼ 0.25% · 3.875%
HK$183,037
−HK$4,849/mo
Today · 4.125%
HK$187,886
baseline
▲ 0.50% · 4.625%
HK$197,790
+HK$9,904/mo
Deposit HK$23.42M · loan HK$35.13M · min. income ≈ HK$375,772/mo (50% DSR)
Upfront cash ≈ HK$25.91M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,937
−HK$11,722/mo
▼ 0.25% · 3.875%
HK$192,751
−HK$5,908/mo
Today · 4.125%
HK$198,659
baseline
▲ 0.50% · 4.625%
HK$210,747
+HK$12,088/mo
Deposit HK$17.57M · loan HK$40.99M · min. income ≈ HK$397,318/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,965
−HK$11,236/mo
▼ 0.25% · 3.875%
HK$213,543
−HK$5,658/mo
Today · 4.125%
HK$219,201
baseline
▲ 0.50% · 4.625%
HK$230,755
+HK$11,554/mo
Deposit HK$17.57M · loan HK$40.99M · min. income ≈ HK$438,402/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,347
−HK$15,072/mo
▼ 0.25% · 3.875%
HK$247,823
−HK$7,596/mo
Today · 4.125%
HK$255,419
baseline
▲ 0.50% · 4.625%
HK$270,961
+HK$15,542/mo
Deposit HK$5.86M · loan HK$52.70M · min. income ≈ HK$510,838/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,384
−HK$14,446/mo
▼ 0.25% · 3.875%
HK$274,555
−HK$7,275/mo
Today · 4.125%
HK$281,830
baseline
▲ 0.50% · 4.625%
HK$296,685
+HK$14,855/mo
Deposit HK$5.86M · loan HK$52.70M · min. income ≈ HK$563,660/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,488,695 · Scale 2, in force from 26 Feb 2026)