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$132,878
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$137,011
−HK$4,200/mo
Today · 4.125%
HK$141,211
baseline
▲ 0.50% · 4.625%
HK$149,803
+HK$8,592/mo
Deposit HK$29.14M · loan HK$29.14M · min. income ≈ HK$282,422/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,825
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$151,790
−HK$4,022/mo
Today · 4.125%
HK$155,812
baseline
▲ 0.50% · 4.625%
HK$164,025
+HK$8,213/mo
Deposit HK$29.14M · loan HK$29.14M · min. income ≈ HK$311,624/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,454
−HK$9,999/mo
▼ 0.25% · 3.875%
HK$164,414
−HK$5,039/mo
Today · 4.125%
HK$169,453
baseline
▲ 0.50% · 4.625%
HK$179,764
+HK$10,311/mo
Deposit HK$23.31M · loan HK$34.96M · min. income ≈ HK$338,906/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,391
−HK$9,583/mo
▼ 0.25% · 3.875%
HK$182,148
−HK$4,826/mo
Today · 4.125%
HK$186,974
baseline
▲ 0.50% · 4.625%
HK$196,830
+HK$9,856/mo
Deposit HK$23.31M · loan HK$34.96M · min. income ≈ HK$373,948/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,029
−HK$11,666/mo
▼ 0.25% · 3.875%
HK$191,816
−HK$5,879/mo
Today · 4.125%
HK$197,695
baseline
▲ 0.50% · 4.625%
HK$209,724
+HK$12,029/mo
Deposit HK$17.48M · loan HK$40.79M · min. income ≈ HK$395,390/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,956
−HK$11,181/mo
▼ 0.25% · 3.875%
HK$212,506
−HK$5,631/mo
Today · 4.125%
HK$218,137
baseline
▲ 0.50% · 4.625%
HK$229,635
+HK$11,498/mo
Deposit HK$17.48M · loan HK$40.79M · min. income ≈ HK$436,274/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,180
−HK$14,999/mo
▼ 0.25% · 3.875%
HK$246,620
−HK$7,559/mo
Today · 4.125%
HK$254,179
baseline
▲ 0.50% · 4.625%
HK$269,645
+HK$15,466/mo
Deposit HK$5.83M · loan HK$52.45M · min. income ≈ HK$508,358/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,086
−HK$14,376/mo
▼ 0.25% · 3.875%
HK$273,222
−HK$7,240/mo
Today · 4.125%
HK$280,462
baseline
▲ 0.50% · 4.625%
HK$295,245
+HK$14,783/mo
Deposit HK$5.83M · loan HK$52.45M · min. income ≈ HK$560,924/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,615 · Scale 2, in force from 26 Feb 2026)