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$134,917
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,114
−HK$4,264/mo
Today · 4.125%
HK$143,378
baseline
▲ 0.50% · 4.625%
HK$152,102
+HK$8,724/mo
Deposit HK$29.58M · loan HK$29.58M · min. income ≈ HK$286,756/mo (50% DSR)
Upfront cash ≈ HK$32.10M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,094
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,119
−HK$4,084/mo
Today · 4.125%
HK$158,203
baseline
▲ 0.50% · 4.625%
HK$166,542
+HK$8,339/mo
Deposit HK$29.58M · loan HK$29.58M · min. income ≈ HK$316,406/mo (50% DSR)
Upfront cash ≈ HK$32.10M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,900
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,936
−HK$5,117/mo
Today · 4.125%
HK$172,053
baseline
▲ 0.50% · 4.625%
HK$182,522
+HK$10,469/mo
Deposit HK$23.67M · loan HK$35.50M · min. income ≈ HK$344,106/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,113
−HK$9,731/mo
▼ 0.25% · 3.875%
HK$184,943
−HK$4,901/mo
Today · 4.125%
HK$189,844
baseline
▲ 0.50% · 4.625%
HK$199,850
+HK$10,006/mo
Deposit HK$23.67M · loan HK$35.50M · min. income ≈ HK$379,688/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,884
−HK$11,845/mo
▼ 0.25% · 3.875%
HK$194,759
−HK$5,970/mo
Today · 4.125%
HK$200,729
baseline
▲ 0.50% · 4.625%
HK$212,942
+HK$12,213/mo
Deposit HK$17.75M · loan HK$41.42M · min. income ≈ HK$401,458/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,131
−HK$11,353/mo
▼ 0.25% · 3.875%
HK$215,767
−HK$5,717/mo
Today · 4.125%
HK$221,484
baseline
▲ 0.50% · 4.625%
HK$233,159
+HK$11,675/mo
Deposit HK$17.75M · loan HK$41.42M · min. income ≈ HK$442,968/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,851
−HK$15,229/mo
▼ 0.25% · 3.875%
HK$250,405
−HK$7,675/mo
Today · 4.125%
HK$258,080
baseline
▲ 0.50% · 4.625%
HK$273,783
+HK$15,703/mo
Deposit HK$5.92M · loan HK$53.25M · min. income ≈ HK$516,160/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,169
−HK$14,596/mo
▼ 0.25% · 3.875%
HK$277,415
−HK$7,350/mo
Today · 4.125%
HK$284,765
baseline
▲ 0.50% · 4.625%
HK$299,776
+HK$15,011/mo
Deposit HK$5.92M · loan HK$53.25M · min. income ≈ HK$569,530/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,514,618 · Scale 2, in force from 26 Feb 2026)