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$132,982
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,118
−HK$4,203/mo
Today · 4.125%
HK$141,321
baseline
▲ 0.50% · 4.625%
HK$149,920
+HK$8,599/mo
Deposit HK$29.16M · loan HK$29.16M · min. income ≈ HK$282,642/mo (50% DSR)
Upfront cash ≈ HK$31.64M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,941
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$151,909
−HK$4,025/mo
Today · 4.125%
HK$155,934
baseline
▲ 0.50% · 4.625%
HK$164,153
+HK$8,219/mo
Deposit HK$29.16M · loan HK$29.16M · min. income ≈ HK$311,868/mo (50% DSR)
Upfront cash ≈ HK$31.64M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,578
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$164,542
−HK$5,043/mo
Today · 4.125%
HK$169,585
baseline
▲ 0.50% · 4.625%
HK$179,904
+HK$10,319/mo
Deposit HK$23.33M · loan HK$34.99M · min. income ≈ HK$339,170/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,529
−HK$9,592/mo
▼ 0.25% · 3.875%
HK$182,291
−HK$4,830/mo
Today · 4.125%
HK$187,121
baseline
▲ 0.50% · 4.625%
HK$196,984
+HK$9,863/mo
Deposit HK$23.33M · loan HK$34.99M · min. income ≈ HK$374,242/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,175
−HK$11,675/mo
▼ 0.25% · 3.875%
HK$191,966
−HK$5,884/mo
Today · 4.125%
HK$197,850
baseline
▲ 0.50% · 4.625%
HK$209,888
+HK$12,038/mo
Deposit HK$17.50M · loan HK$40.82M · min. income ≈ HK$395,700/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,118
−HK$11,189/mo
▼ 0.25% · 3.875%
HK$212,672
−HK$5,635/mo
Today · 4.125%
HK$218,307
baseline
▲ 0.50% · 4.625%
HK$229,815
+HK$11,508/mo
Deposit HK$17.50M · loan HK$40.82M · min. income ≈ HK$436,614/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,368
−HK$15,010/mo
▼ 0.25% · 3.875%
HK$246,813
−HK$7,565/mo
Today · 4.125%
HK$254,378
baseline
▲ 0.50% · 4.625%
HK$269,856
+HK$15,478/mo
Deposit HK$5.83M · loan HK$52.49M · min. income ≈ HK$508,756/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,294
−HK$14,387/mo
▼ 0.25% · 3.875%
HK$273,436
−HK$7,245/mo
Today · 4.125%
HK$280,681
baseline
▲ 0.50% · 4.625%
HK$295,476
+HK$14,795/mo
Deposit HK$5.83M · loan HK$52.49M · min. income ≈ HK$561,362/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,552 · Scale 2, in force from 26 Feb 2026)