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$135,717
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$139,938
−HK$4,290/mo
Today · 4.125%
HK$144,228
baseline
▲ 0.50% · 4.625%
HK$153,003
+HK$8,775/mo
Deposit HK$29.76M · loan HK$29.76M · min. income ≈ HK$288,456/mo (50% DSR)
Upfront cash ≈ HK$32.29M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,984
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$155,033
−HK$4,108/mo
Today · 4.125%
HK$159,141
baseline
▲ 0.50% · 4.625%
HK$167,529
+HK$8,388/mo
Deposit HK$29.76M · loan HK$29.76M · min. income ≈ HK$318,282/mo (50% DSR)
Upfront cash ≈ HK$32.29M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,860
−HK$10,213/mo
▼ 0.25% · 3.875%
HK$167,926
−HK$5,147/mo
Today · 4.125%
HK$173,073
baseline
▲ 0.50% · 4.625%
HK$183,604
+HK$10,531/mo
Deposit HK$23.81M · loan HK$35.71M · min. income ≈ HK$346,146/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,180
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,040
−HK$4,929/mo
Today · 4.125%
HK$190,969
baseline
▲ 0.50% · 4.625%
HK$201,035
+HK$10,066/mo
Deposit HK$23.81M · loan HK$35.71M · min. income ≈ HK$381,938/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,004
−HK$11,915/mo
▼ 0.25% · 3.875%
HK$195,914
−HK$6,005/mo
Today · 4.125%
HK$201,919
baseline
▲ 0.50% · 4.625%
HK$214,205
+HK$12,286/mo
Deposit HK$17.86M · loan HK$41.66M · min. income ≈ HK$403,838/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,377
−HK$11,420/mo
▼ 0.25% · 3.875%
HK$217,046
−HK$5,751/mo
Today · 4.125%
HK$222,797
baseline
▲ 0.50% · 4.625%
HK$234,541
+HK$11,744/mo
Deposit HK$17.86M · loan HK$41.66M · min. income ≈ HK$445,594/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,290
−HK$15,320/mo
▼ 0.25% · 3.875%
HK$251,889
−HK$7,721/mo
Today · 4.125%
HK$259,610
baseline
▲ 0.50% · 4.625%
HK$275,406
+HK$15,796/mo
Deposit HK$5.95M · loan HK$53.57M · min. income ≈ HK$519,220/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,771
−HK$14,683/mo
▼ 0.25% · 3.875%
HK$279,059
−HK$7,395/mo
Today · 4.125%
HK$286,454
baseline
▲ 0.50% · 4.625%
HK$301,553
+HK$15,099/mo
Deposit HK$5.95M · loan HK$53.57M · min. income ≈ HK$572,908/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$2,529,527 · Scale 2, in force from 26 Feb 2026)