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$132,799
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,930
−HK$4,197/mo
Today · 4.125%
HK$141,127
baseline
▲ 0.50% · 4.625%
HK$149,714
+HK$8,587/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$282,254/mo (50% DSR)
Upfront cash ≈ HK$31.59M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,738
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,700
−HK$4,020/mo
Today · 4.125%
HK$155,720
baseline
▲ 0.50% · 4.625%
HK$163,928
+HK$8,208/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$311,440/mo (50% DSR)
Upfront cash ≈ HK$31.59M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,359
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$164,316
−HK$5,036/mo
Today · 4.125%
HK$169,352
baseline
▲ 0.50% · 4.625%
HK$179,657
+HK$10,305/mo
Deposit HK$23.30M · loan HK$34.94M · min. income ≈ HK$338,704/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,285
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$182,040
−HK$4,824/mo
Today · 4.125%
HK$186,864
baseline
▲ 0.50% · 4.625%
HK$196,714
+HK$9,850/mo
Deposit HK$23.30M · loan HK$34.94M · min. income ≈ HK$373,728/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,919
−HK$11,659/mo
▼ 0.25% · 3.875%
HK$191,702
−HK$5,876/mo
Today · 4.125%
HK$197,578
baseline
▲ 0.50% · 4.625%
HK$209,600
+HK$12,022/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$395,156/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,833
−HK$11,175/mo
▼ 0.25% · 3.875%
HK$212,380
−HK$5,628/mo
Today · 4.125%
HK$218,008
baseline
▲ 0.50% · 4.625%
HK$229,499
+HK$11,491/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$436,016/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,039
−HK$14,990/mo
▼ 0.25% · 3.875%
HK$246,474
−HK$7,555/mo
Today · 4.125%
HK$254,029
baseline
▲ 0.50% · 4.625%
HK$269,486
+HK$15,457/mo
Deposit HK$5.82M · loan HK$52.41M · min. income ≈ HK$508,058/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,928
−HK$14,367/mo
▼ 0.25% · 3.875%
HK$273,060
−HK$7,235/mo
Today · 4.125%
HK$280,295
baseline
▲ 0.50% · 4.625%
HK$295,070
+HK$14,775/mo
Deposit HK$5.82M · loan HK$52.41M · min. income ≈ HK$560,590/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,148 · Scale 2, in force from 26 Feb 2026)