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$136,235
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,473
−HK$4,305/mo
Today · 4.125%
HK$144,778
baseline
▲ 0.50% · 4.625%
HK$153,588
+HK$8,810/mo
Deposit HK$29.87M · loan HK$29.87M · min. income ≈ HK$289,556/mo (50% DSR)
Upfront cash ≈ HK$32.41M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,560
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$155,625
−HK$4,124/mo
Today · 4.125%
HK$159,749
baseline
▲ 0.50% · 4.625%
HK$168,169
+HK$8,420/mo
Deposit HK$29.87M · loan HK$29.87M · min. income ≈ HK$319,498/mo (50% DSR)
Upfront cash ≈ HK$32.41M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,482
−HK$10,252/mo
▼ 0.25% · 3.875%
HK$168,568
−HK$5,166/mo
Today · 4.125%
HK$173,734
baseline
▲ 0.50% · 4.625%
HK$184,305
+HK$10,571/mo
Deposit HK$23.90M · loan HK$35.85M · min. income ≈ HK$347,468/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,872
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$186,750
−HK$4,948/mo
Today · 4.125%
HK$191,698
baseline
▲ 0.50% · 4.625%
HK$201,803
+HK$10,105/mo
Deposit HK$23.90M · loan HK$35.85M · min. income ≈ HK$383,396/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,729
−HK$11,961/mo
▼ 0.25% · 3.875%
HK$196,662
−HK$6,028/mo
Today · 4.125%
HK$202,690
baseline
▲ 0.50% · 4.625%
HK$215,023
+HK$12,333/mo
Deposit HK$17.92M · loan HK$41.82M · min. income ≈ HK$405,380/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,184
−HK$11,464/mo
▼ 0.25% · 3.875%
HK$217,875
−HK$5,773/mo
Today · 4.125%
HK$223,648
baseline
▲ 0.50% · 4.625%
HK$235,437
+HK$11,789/mo
Deposit HK$17.92M · loan HK$41.82M · min. income ≈ HK$447,296/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,223
−HK$15,378/mo
▼ 0.25% · 3.875%
HK$252,851
−HK$7,750/mo
Today · 4.125%
HK$260,601
baseline
▲ 0.50% · 4.625%
HK$276,458
+HK$15,857/mo
Deposit HK$5.97M · loan HK$53.77M · min. income ≈ HK$521,202/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,809
−HK$14,739/mo
▼ 0.25% · 3.875%
HK$280,125
−HK$7,423/mo
Today · 4.125%
HK$287,548
baseline
▲ 0.50% · 4.625%
HK$302,705
+HK$15,157/mo
Deposit HK$5.97M · loan HK$53.77M · min. income ≈ HK$575,096/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,539,187 · Scale 2, in force from 26 Feb 2026)