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$136,285
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$140,524
−HK$4,307/mo
Today · 4.125%
HK$144,831
baseline
▲ 0.50% · 4.625%
HK$153,643
+HK$8,812/mo
Deposit HK$29.88M · loan HK$29.88M · min. income ≈ HK$289,662/mo (50% DSR)
Upfront cash ≈ HK$32.42M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,615
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$155,681
−HK$4,125/mo
Today · 4.125%
HK$159,806
baseline
▲ 0.50% · 4.625%
HK$168,230
+HK$8,424/mo
Deposit HK$29.88M · loan HK$29.88M · min. income ≈ HK$319,612/mo (50% DSR)
Upfront cash ≈ HK$32.42M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,541
−HK$10,256/mo
▼ 0.25% · 3.875%
HK$168,629
−HK$5,168/mo
Today · 4.125%
HK$173,797
baseline
▲ 0.50% · 4.625%
HK$184,372
+HK$10,575/mo
Deposit HK$23.91M · loan HK$35.86M · min. income ≈ HK$347,594/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,938
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$186,818
−HK$4,950/mo
Today · 4.125%
HK$191,768
baseline
▲ 0.50% · 4.625%
HK$201,876
+HK$10,108/mo
Deposit HK$23.91M · loan HK$35.86M · min. income ≈ HK$383,536/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,798
−HK$11,965/mo
▼ 0.25% · 3.875%
HK$196,733
−HK$6,030/mo
Today · 4.125%
HK$202,763
baseline
▲ 0.50% · 4.625%
HK$215,101
+HK$12,338/mo
Deposit HK$17.93M · loan HK$41.84M · min. income ≈ HK$405,526/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,261
−HK$11,468/mo
▼ 0.25% · 3.875%
HK$217,954
−HK$5,775/mo
Today · 4.125%
HK$223,729
baseline
▲ 0.50% · 4.625%
HK$235,522
+HK$11,793/mo
Deposit HK$17.93M · loan HK$41.84M · min. income ≈ HK$447,458/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,312
−HK$15,383/mo
▼ 0.25% · 3.875%
HK$252,943
−HK$7,752/mo
Today · 4.125%
HK$260,695
baseline
▲ 0.50% · 4.625%
HK$276,558
+HK$15,863/mo
Deposit HK$5.98M · loan HK$53.79M · min. income ≈ HK$521,390/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,907
−HK$14,745/mo
▼ 0.25% · 3.875%
HK$280,227
−HK$7,425/mo
Today · 4.125%
HK$287,652
baseline
▲ 0.50% · 4.625%
HK$302,814
+HK$15,162/mo
Deposit HK$5.98M · loan HK$53.79M · min. income ≈ HK$575,304/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$2,540,106 · Scale 2, in force from 26 Feb 2026)