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$136,026
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$140,257
−HK$4,299/mo
Today · 4.125%
HK$144,556
baseline
▲ 0.50% · 4.625%
HK$153,352
+HK$8,796/mo
Deposit HK$29.83M · loan HK$29.83M · min. income ≈ HK$289,112/mo (50% DSR)
Upfront cash ≈ HK$32.36M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,328
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$155,386
−HK$4,117/mo
Today · 4.125%
HK$159,503
baseline
▲ 0.50% · 4.625%
HK$167,911
+HK$8,408/mo
Deposit HK$29.83M · loan HK$29.83M · min. income ≈ HK$319,006/mo (50% DSR)
Upfront cash ≈ HK$32.36M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,231
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$168,309
−HK$5,158/mo
Today · 4.125%
HK$173,467
baseline
▲ 0.50% · 4.625%
HK$184,022
+HK$10,555/mo
Deposit HK$23.86M · loan HK$35.79M · min. income ≈ HK$346,934/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,593
−HK$9,811/mo
▼ 0.25% · 3.875%
HK$186,463
−HK$4,941/mo
Today · 4.125%
HK$191,404
baseline
▲ 0.50% · 4.625%
HK$201,493
+HK$10,089/mo
Deposit HK$23.86M · loan HK$35.79M · min. income ≈ HK$382,808/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,436
−HK$11,942/mo
▼ 0.25% · 3.875%
HK$196,360
−HK$6,018/mo
Today · 4.125%
HK$202,378
baseline
▲ 0.50% · 4.625%
HK$214,693
+HK$12,315/mo
Deposit HK$17.90M · loan HK$41.76M · min. income ≈ HK$404,756/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,859
−HK$11,446/mo
▼ 0.25% · 3.875%
HK$217,540
−HK$5,765/mo
Today · 4.125%
HK$223,305
baseline
▲ 0.50% · 4.625%
HK$235,075
+HK$11,770/mo
Deposit HK$17.90M · loan HK$41.76M · min. income ≈ HK$446,610/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,847
−HK$15,354/mo
▼ 0.25% · 3.875%
HK$252,463
−HK$7,738/mo
Today · 4.125%
HK$260,201
baseline
▲ 0.50% · 4.625%
HK$276,033
+HK$15,832/mo
Deposit HK$5.97M · loan HK$53.69M · min. income ≈ HK$520,402/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,390
−HK$14,716/mo
▼ 0.25% · 3.875%
HK$279,695
−HK$7,411/mo
Today · 4.125%
HK$287,106
baseline
▲ 0.50% · 4.625%
HK$302,240
+HK$15,134/mo
Deposit HK$5.97M · loan HK$53.69M · min. income ≈ HK$574,212/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,535,287 · Scale 2, in force from 26 Feb 2026)