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$135,331
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$139,541
−HK$4,277/mo
Today · 4.125%
HK$143,818
baseline
▲ 0.50% · 4.625%
HK$152,569
+HK$8,751/mo
Deposit HK$29.67M · loan HK$29.67M · min. income ≈ HK$287,636/mo (50% DSR)
Upfront cash ≈ HK$32.20M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,555
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$154,593
−HK$4,096/mo
Today · 4.125%
HK$158,689
baseline
▲ 0.50% · 4.625%
HK$167,054
+HK$8,365/mo
Deposit HK$29.67M · loan HK$29.67M · min. income ≈ HK$317,378/mo (50% DSR)
Upfront cash ≈ HK$32.20M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,398
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$167,449
−HK$5,132/mo
Today · 4.125%
HK$172,581
baseline
▲ 0.50% · 4.625%
HK$183,083
+HK$10,502/mo
Deposit HK$23.74M · loan HK$35.61M · min. income ≈ HK$345,162/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,666
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$185,511
−HK$4,916/mo
Today · 4.125%
HK$190,427
baseline
▲ 0.50% · 4.625%
HK$200,464
+HK$10,037/mo
Deposit HK$23.74M · loan HK$35.61M · min. income ≈ HK$380,854/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,464
−HK$11,881/mo
▼ 0.25% · 3.875%
HK$195,357
−HK$5,988/mo
Today · 4.125%
HK$201,345
baseline
▲ 0.50% · 4.625%
HK$213,596
+HK$12,251/mo
Deposit HK$17.80M · loan HK$41.54M · min. income ≈ HK$402,690/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,777
−HK$11,387/mo
▼ 0.25% · 3.875%
HK$216,430
−HK$5,734/mo
Today · 4.125%
HK$222,164
baseline
▲ 0.50% · 4.625%
HK$233,875
+HK$11,711/mo
Deposit HK$17.80M · loan HK$41.54M · min. income ≈ HK$444,328/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,597
−HK$15,275/mo
▼ 0.25% · 3.875%
HK$251,174
−HK$7,698/mo
Today · 4.125%
HK$258,872
baseline
▲ 0.50% · 4.625%
HK$274,624
+HK$15,752/mo
Deposit HK$5.93M · loan HK$53.41M · min. income ≈ HK$517,744/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,999
−HK$14,641/mo
▼ 0.25% · 3.875%
HK$278,267
−HK$7,373/mo
Today · 4.125%
HK$285,640
baseline
▲ 0.50% · 4.625%
HK$300,696
+HK$15,056/mo
Deposit HK$5.93M · loan HK$53.41M · min. income ≈ HK$571,280/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$2,522,342 · Scale 2, in force from 26 Feb 2026)