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$134,775
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$138,967
−HK$4,260/mo
Today · 4.125%
HK$143,227
baseline
▲ 0.50% · 4.625%
HK$151,942
+HK$8,715/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$286,454/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,936
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$153,957
−HK$4,080/mo
Today · 4.125%
HK$158,037
baseline
▲ 0.50% · 4.625%
HK$166,367
+HK$8,330/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$316,074/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,730
−HK$10,142/mo
▼ 0.25% · 3.875%
HK$166,761
−HK$5,111/mo
Today · 4.125%
HK$171,872
baseline
▲ 0.50% · 4.625%
HK$182,330
+HK$10,458/mo
Deposit HK$23.64M · loan HK$35.46M · min. income ≈ HK$343,744/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,923
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$184,749
−HK$4,895/mo
Today · 4.125%
HK$189,644
baseline
▲ 0.50% · 4.625%
HK$199,640
+HK$9,996/mo
Deposit HK$23.64M · loan HK$35.46M · min. income ≈ HK$379,288/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,685
−HK$11,833/mo
▼ 0.25% · 3.875%
HK$194,554
−HK$5,964/mo
Today · 4.125%
HK$200,518
baseline
▲ 0.50% · 4.625%
HK$212,719
+HK$12,201/mo
Deposit HK$17.73M · loan HK$41.37M · min. income ≈ HK$401,036/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,911
−HK$11,340/mo
▼ 0.25% · 3.875%
HK$215,540
−HK$5,711/mo
Today · 4.125%
HK$221,251
baseline
▲ 0.50% · 4.625%
HK$232,914
+HK$11,663/mo
Deposit HK$17.73M · loan HK$41.37M · min. income ≈ HK$442,502/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,595
−HK$15,213/mo
▼ 0.25% · 3.875%
HK$250,141
−HK$7,667/mo
Today · 4.125%
HK$257,808
baseline
▲ 0.50% · 4.625%
HK$273,495
+HK$15,687/mo
Deposit HK$5.91M · loan HK$53.19M · min. income ≈ HK$515,616/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,885
−HK$14,581/mo
▼ 0.25% · 3.875%
HK$277,123
−HK$7,343/mo
Today · 4.125%
HK$284,466
baseline
▲ 0.50% · 4.625%
HK$299,461
+HK$14,995/mo
Deposit HK$5.91M · loan HK$53.19M · min. income ≈ HK$568,932/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,975 · Scale 2, in force from 26 Feb 2026)