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$136,688
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,940
−HK$4,320/mo
Today · 4.125%
HK$145,260
baseline
▲ 0.50% · 4.625%
HK$154,099
+HK$8,839/mo
Deposit HK$29.97M · loan HK$29.97M · min. income ≈ HK$290,520/mo (50% DSR)
Upfront cash ≈ HK$32.52M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,064
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,143
−HK$4,137/mo
Today · 4.125%
HK$160,280
baseline
▲ 0.50% · 4.625%
HK$168,729
+HK$8,449/mo
Deposit HK$29.97M · loan HK$29.97M · min. income ≈ HK$320,560/mo (50% DSR)
Upfront cash ≈ HK$32.52M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,026
−HK$10,286/mo
▼ 0.25% · 3.875%
HK$169,128
−HK$5,184/mo
Today · 4.125%
HK$174,312
baseline
▲ 0.50% · 4.625%
HK$184,918
+HK$10,606/mo
Deposit HK$23.98M · loan HK$35.97M · min. income ≈ HK$348,624/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,477
−HK$9,859/mo
▼ 0.25% · 3.875%
HK$187,371
−HK$4,965/mo
Today · 4.125%
HK$192,336
baseline
▲ 0.50% · 4.625%
HK$202,474
+HK$10,138/mo
Deposit HK$23.98M · loan HK$35.97M · min. income ≈ HK$384,672/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,364
−HK$12,000/mo
▼ 0.25% · 3.875%
HK$197,316
−HK$6,048/mo
Today · 4.125%
HK$203,364
baseline
▲ 0.50% · 4.625%
HK$215,738
+HK$12,374/mo
Deposit HK$17.98M · loan HK$41.96M · min. income ≈ HK$406,728/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,890
−HK$11,502/mo
▼ 0.25% · 3.875%
HK$218,600
−HK$5,792/mo
Today · 4.125%
HK$224,392
baseline
▲ 0.50% · 4.625%
HK$236,220
+HK$11,828/mo
Deposit HK$17.98M · loan HK$41.96M · min. income ≈ HK$448,784/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,039
−HK$15,429/mo
▼ 0.25% · 3.875%
HK$253,692
−HK$7,776/mo
Today · 4.125%
HK$261,468
baseline
▲ 0.50% · 4.625%
HK$277,378
+HK$15,910/mo
Deposit HK$5.99M · loan HK$53.95M · min. income ≈ HK$522,936/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,716
−HK$14,788/mo
▼ 0.25% · 3.875%
HK$281,057
−HK$7,447/mo
Today · 4.125%
HK$288,504
baseline
▲ 0.50% · 4.625%
HK$303,712
+HK$15,208/mo
Deposit HK$5.99M · loan HK$53.95M · min. income ≈ HK$577,008/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,547,634 · Scale 2, in force from 26 Feb 2026)