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$136,386
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$140,629
−HK$4,310/mo
Today · 4.125%
HK$144,939
baseline
▲ 0.50% · 4.625%
HK$153,758
+HK$8,819/mo
Deposit HK$29.91M · loan HK$29.91M · min. income ≈ HK$289,878/mo (50% DSR)
Upfront cash ≈ HK$32.45M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,729
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$155,798
−HK$4,128/mo
Today · 4.125%
HK$159,926
baseline
▲ 0.50% · 4.625%
HK$168,356
+HK$8,430/mo
Deposit HK$29.91M · loan HK$29.91M · min. income ≈ HK$319,852/mo (50% DSR)
Upfront cash ≈ HK$32.45M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,664
−HK$10,263/mo
▼ 0.25% · 3.875%
HK$168,755
−HK$5,172/mo
Today · 4.125%
HK$173,927
baseline
▲ 0.50% · 4.625%
HK$184,510
+HK$10,583/mo
Deposit HK$23.92M · loan HK$35.89M · min. income ≈ HK$347,854/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,074
−HK$9,837/mo
▼ 0.25% · 3.875%
HK$186,957
−HK$4,954/mo
Today · 4.125%
HK$191,911
baseline
▲ 0.50% · 4.625%
HK$202,027
+HK$10,116/mo
Deposit HK$23.92M · loan HK$35.89M · min. income ≈ HK$383,822/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,941
−HK$11,974/mo
▼ 0.25% · 3.875%
HK$196,880
−HK$6,035/mo
Today · 4.125%
HK$202,915
baseline
▲ 0.50% · 4.625%
HK$215,262
+HK$12,347/mo
Deposit HK$17.94M · loan HK$41.87M · min. income ≈ HK$405,830/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,420
−HK$11,476/mo
▼ 0.25% · 3.875%
HK$218,117
−HK$5,779/mo
Today · 4.125%
HK$223,896
baseline
▲ 0.50% · 4.625%
HK$235,698
+HK$11,802/mo
Deposit HK$17.94M · loan HK$41.87M · min. income ≈ HK$447,792/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,496
−HK$15,394/mo
▼ 0.25% · 3.875%
HK$253,132
−HK$7,758/mo
Today · 4.125%
HK$260,890
baseline
▲ 0.50% · 4.625%
HK$276,765
+HK$15,875/mo
Deposit HK$5.98M · loan HK$53.83M · min. income ≈ HK$521,780/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,111
−HK$14,756/mo
▼ 0.25% · 3.875%
HK$280,436
−HK$7,431/mo
Today · 4.125%
HK$287,867
baseline
▲ 0.50% · 4.625%
HK$303,041
+HK$15,174/mo
Deposit HK$5.98M · loan HK$53.83M · min. income ≈ HK$575,734/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$2,542,006 · Scale 2, in force from 26 Feb 2026)