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$135,908
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$140,136
−HK$4,295/mo
Today · 4.125%
HK$144,431
baseline
▲ 0.50% · 4.625%
HK$153,219
+HK$8,788/mo
Deposit HK$29.80M · loan HK$29.80M · min. income ≈ HK$288,862/mo (50% DSR)
Upfront cash ≈ HK$32.33M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,197
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$155,252
−HK$4,114/mo
Today · 4.125%
HK$159,366
baseline
▲ 0.50% · 4.625%
HK$167,766
+HK$8,400/mo
Deposit HK$29.80M · loan HK$29.80M · min. income ≈ HK$318,732/mo (50% DSR)
Upfront cash ≈ HK$32.33M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,090
−HK$10,227/mo
▼ 0.25% · 3.875%
HK$168,163
−HK$5,154/mo
Today · 4.125%
HK$173,317
baseline
▲ 0.50% · 4.625%
HK$183,863
+HK$10,546/mo
Deposit HK$23.84M · loan HK$35.76M · min. income ≈ HK$346,634/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,436
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$186,302
−HK$4,937/mo
Today · 4.125%
HK$191,239
baseline
▲ 0.50% · 4.625%
HK$201,319
+HK$10,080/mo
Deposit HK$23.84M · loan HK$35.76M · min. income ≈ HK$382,478/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,272
−HK$11,932/mo
▼ 0.25% · 3.875%
HK$196,190
−HK$6,014/mo
Today · 4.125%
HK$202,204
baseline
▲ 0.50% · 4.625%
HK$214,507
+HK$12,303/mo
Deposit HK$17.88M · loan HK$41.72M · min. income ≈ HK$404,408/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,676
−HK$11,436/mo
▼ 0.25% · 3.875%
HK$217,353
−HK$5,759/mo
Today · 4.125%
HK$223,112
baseline
▲ 0.50% · 4.625%
HK$234,872
+HK$11,760/mo
Deposit HK$17.88M · loan HK$41.72M · min. income ≈ HK$446,224/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,635
−HK$15,341/mo
▼ 0.25% · 3.875%
HK$252,245
−HK$7,731/mo
Today · 4.125%
HK$259,976
baseline
▲ 0.50% · 4.625%
HK$275,795
+HK$15,819/mo
Deposit HK$5.96M · loan HK$53.64M · min. income ≈ HK$519,952/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,154
−HK$14,704/mo
▼ 0.25% · 3.875%
HK$279,453
−HK$7,405/mo
Today · 4.125%
HK$286,858
baseline
▲ 0.50% · 4.625%
HK$301,979
+HK$15,121/mo
Deposit HK$5.96M · loan HK$53.64M · min. income ≈ HK$573,716/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,533,097 · Scale 2, in force from 26 Feb 2026)