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$133,650
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,807
−HK$4,224/mo
Today · 4.125%
HK$142,031
baseline
▲ 0.50% · 4.625%
HK$150,673
+HK$8,642/mo
Deposit HK$29.31M · loan HK$29.31M · min. income ≈ HK$284,062/mo (50% DSR)
Upfront cash ≈ HK$31.80M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,684
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,672
−HK$4,045/mo
Today · 4.125%
HK$156,717
baseline
▲ 0.50% · 4.625%
HK$164,978
+HK$8,261/mo
Deposit HK$29.31M · loan HK$29.31M · min. income ≈ HK$313,434/mo (50% DSR)
Upfront cash ≈ HK$31.80M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,380
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$165,368
−HK$5,069/mo
Today · 4.125%
HK$170,437
baseline
▲ 0.50% · 4.625%
HK$180,808
+HK$10,371/mo
Deposit HK$23.44M · loan HK$35.17M · min. income ≈ HK$340,874/mo (50% DSR)
Upfront cash ≈ HK$25.94M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,421
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$183,206
−HK$4,854/mo
Today · 4.125%
HK$188,060
baseline
▲ 0.50% · 4.625%
HK$197,973
+HK$9,913/mo
Deposit HK$23.44M · loan HK$35.17M · min. income ≈ HK$376,120/mo (50% DSR)
Upfront cash ≈ HK$25.94M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,110
−HK$11,733/mo
▼ 0.25% · 3.875%
HK$192,930
−HK$5,913/mo
Today · 4.125%
HK$198,843
baseline
▲ 0.50% · 4.625%
HK$210,942
+HK$12,099/mo
Deposit HK$17.58M · loan HK$41.03M · min. income ≈ HK$397,686/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,158
−HK$11,246/mo
▼ 0.25% · 3.875%
HK$213,740
−HK$5,664/mo
Today · 4.125%
HK$219,404
baseline
▲ 0.50% · 4.625%
HK$230,969
+HK$11,565/mo
Deposit HK$17.58M · loan HK$41.03M · min. income ≈ HK$438,808/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,569
−HK$15,086/mo
▼ 0.25% · 3.875%
HK$248,053
−HK$7,602/mo
Today · 4.125%
HK$255,655
baseline
▲ 0.50% · 4.625%
HK$271,211
+HK$15,556/mo
Deposit HK$5.86M · loan HK$52.75M · min. income ≈ HK$511,310/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,631
−HK$14,459/mo
▼ 0.25% · 3.875%
HK$274,809
−HK$7,281/mo
Today · 4.125%
HK$282,090
baseline
▲ 0.50% · 4.625%
HK$296,960
+HK$14,870/mo
Deposit HK$5.86M · loan HK$52.75M · min. income ≈ HK$564,180/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$2,490,998 · Scale 2, in force from 26 Feb 2026)