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$134,491
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$138,674
−HK$4,250/mo
Today · 4.125%
HK$142,924
baseline
▲ 0.50% · 4.625%
HK$151,621
+HK$8,697/mo
Deposit HK$29.49M · loan HK$29.49M · min. income ≈ HK$285,848/mo (50% DSR)
Upfront cash ≈ HK$32.00M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,619
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$153,632
−HK$4,071/mo
Today · 4.125%
HK$157,703
baseline
▲ 0.50% · 4.625%
HK$166,016
+HK$8,313/mo
Deposit HK$29.49M · loan HK$29.49M · min. income ≈ HK$315,406/mo (50% DSR)
Upfront cash ≈ HK$32.00M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,389
−HK$10,120/mo
▼ 0.25% · 3.875%
HK$166,409
−HK$5,100/mo
Today · 4.125%
HK$171,509
baseline
▲ 0.50% · 4.625%
HK$181,945
+HK$10,436/mo
Deposit HK$23.59M · loan HK$35.39M · min. income ≈ HK$343,018/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,543
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$184,359
−HK$4,885/mo
Today · 4.125%
HK$189,244
baseline
▲ 0.50% · 4.625%
HK$199,219
+HK$9,975/mo
Deposit HK$23.59M · loan HK$35.39M · min. income ≈ HK$378,488/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,287
−HK$11,807/mo
▼ 0.25% · 3.875%
HK$194,144
−HK$5,950/mo
Today · 4.125%
HK$200,094
baseline
▲ 0.50% · 4.625%
HK$212,269
+HK$12,175/mo
Deposit HK$17.69M · loan HK$41.29M · min. income ≈ HK$400,188/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,467
−HK$11,317/mo
▼ 0.25% · 3.875%
HK$215,085
−HK$5,699/mo
Today · 4.125%
HK$220,784
baseline
▲ 0.50% · 4.625%
HK$232,422
+HK$11,638/mo
Deposit HK$17.69M · loan HK$41.29M · min. income ≈ HK$441,568/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,083
−HK$15,181/mo
▼ 0.25% · 3.875%
HK$249,613
−HK$7,651/mo
Today · 4.125%
HK$257,264
baseline
▲ 0.50% · 4.625%
HK$272,918
+HK$15,654/mo
Deposit HK$5.90M · loan HK$53.08M · min. income ≈ HK$514,528/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,315
−HK$14,550/mo
▼ 0.25% · 3.875%
HK$276,538
−HK$7,327/mo
Today · 4.125%
HK$283,865
baseline
▲ 0.50% · 4.625%
HK$298,828
+HK$14,963/mo
Deposit HK$5.90M · loan HK$53.08M · min. income ≈ HK$567,730/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,506,671 · Scale 2, in force from 26 Feb 2026)