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$134,599
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,785
−HK$4,254/mo
Today · 4.125%
HK$143,039
baseline
▲ 0.50% · 4.625%
HK$151,743
+HK$8,704/mo
Deposit HK$29.51M · loan HK$29.51M · min. income ≈ HK$286,078/mo (50% DSR)
Upfront cash ≈ HK$32.02M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,740
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,755
−HK$4,074/mo
Today · 4.125%
HK$157,829
baseline
▲ 0.50% · 4.625%
HK$166,149
+HK$8,320/mo
Deposit HK$29.51M · loan HK$29.51M · min. income ≈ HK$315,658/mo (50% DSR)
Upfront cash ≈ HK$32.02M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,518
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,542
−HK$5,105/mo
Today · 4.125%
HK$171,647
baseline
▲ 0.50% · 4.625%
HK$182,091
+HK$10,444/mo
Deposit HK$23.61M · loan HK$35.42M · min. income ≈ HK$343,294/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,687
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,507
−HK$4,888/mo
Today · 4.125%
HK$189,395
baseline
▲ 0.50% · 4.625%
HK$199,379
+HK$9,984/mo
Deposit HK$23.61M · loan HK$35.42M · min. income ≈ HK$378,790/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,438
−HK$11,817/mo
▼ 0.25% · 3.875%
HK$194,299
−HK$5,956/mo
Today · 4.125%
HK$200,255
baseline
▲ 0.50% · 4.625%
HK$212,440
+HK$12,185/mo
Deposit HK$17.71M · loan HK$41.32M · min. income ≈ HK$400,510/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,635
−HK$11,326/mo
▼ 0.25% · 3.875%
HK$215,258
−HK$5,703/mo
Today · 4.125%
HK$220,961
baseline
▲ 0.50% · 4.625%
HK$232,608
+HK$11,647/mo
Deposit HK$17.71M · loan HK$41.32M · min. income ≈ HK$441,922/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,277
−HK$15,193/mo
▼ 0.25% · 3.875%
HK$249,814
−HK$7,656/mo
Today · 4.125%
HK$257,470
baseline
▲ 0.50% · 4.625%
HK$273,137
+HK$15,667/mo
Deposit HK$5.90M · loan HK$53.13M · min. income ≈ HK$514,940/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,531
−HK$14,562/mo
▼ 0.25% · 3.875%
HK$276,760
−HK$7,333/mo
Today · 4.125%
HK$284,093
baseline
▲ 0.50% · 4.625%
HK$299,068
+HK$14,975/mo
Deposit HK$5.90M · loan HK$53.13M · min. income ≈ HK$568,186/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,508,682 · Scale 2, in force from 26 Feb 2026)