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$132,874
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$137,007
−HK$4,199/mo
Today · 4.125%
HK$141,206
baseline
▲ 0.50% · 4.625%
HK$149,798
+HK$8,592/mo
Deposit HK$29.14M · loan HK$29.14M · min. income ≈ HK$282,412/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,821
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$151,785
−HK$4,022/mo
Today · 4.125%
HK$155,807
baseline
▲ 0.50% · 4.625%
HK$164,020
+HK$8,213/mo
Deposit HK$29.14M · loan HK$29.14M · min. income ≈ HK$311,614/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,449
−HK$9,998/mo
▼ 0.25% · 3.875%
HK$164,408
−HK$5,039/mo
Today · 4.125%
HK$169,447
baseline
▲ 0.50% · 4.625%
HK$179,758
+HK$10,311/mo
Deposit HK$23.31M · loan HK$34.96M · min. income ≈ HK$338,894/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,385
−HK$9,583/mo
▼ 0.25% · 3.875%
HK$182,142
−HK$4,826/mo
Today · 4.125%
HK$186,968
baseline
▲ 0.50% · 4.625%
HK$196,824
+HK$9,856/mo
Deposit HK$23.31M · loan HK$34.96M · min. income ≈ HK$373,936/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,023
−HK$11,666/mo
▼ 0.25% · 3.875%
HK$191,810
−HK$5,879/mo
Today · 4.125%
HK$197,689
baseline
▲ 0.50% · 4.625%
HK$209,717
+HK$12,028/mo
Deposit HK$17.48M · loan HK$40.79M · min. income ≈ HK$395,378/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,949
−HK$11,181/mo
▼ 0.25% · 3.875%
HK$212,499
−HK$5,631/mo
Today · 4.125%
HK$218,130
baseline
▲ 0.50% · 4.625%
HK$229,628
+HK$11,498/mo
Deposit HK$17.48M · loan HK$40.79M · min. income ≈ HK$436,260/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,173
−HK$14,998/mo
▼ 0.25% · 3.875%
HK$246,612
−HK$7,559/mo
Today · 4.125%
HK$254,171
baseline
▲ 0.50% · 4.625%
HK$269,637
+HK$15,466/mo
Deposit HK$5.83M · loan HK$52.44M · min. income ≈ HK$508,342/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,077
−HK$14,376/mo
▼ 0.25% · 3.875%
HK$273,213
−HK$7,240/mo
Today · 4.125%
HK$280,453
baseline
▲ 0.50% · 4.625%
HK$295,236
+HK$14,783/mo
Deposit HK$5.83M · loan HK$52.44M · min. income ≈ HK$560,906/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,536 · Scale 2, in force from 26 Feb 2026)