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$134,908
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$139,105
−HK$4,263/mo
Today · 4.125%
HK$143,368
baseline
▲ 0.50% · 4.625%
HK$152,092
+HK$8,724/mo
Deposit HK$29.58M · loan HK$29.58M · min. income ≈ HK$286,736/mo (50% DSR)
Upfront cash ≈ HK$32.10M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,084
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,110
−HK$4,083/mo
Today · 4.125%
HK$158,193
baseline
▲ 0.50% · 4.625%
HK$166,531
+HK$8,338/mo
Deposit HK$29.58M · loan HK$29.58M · min. income ≈ HK$316,386/mo (50% DSR)
Upfront cash ≈ HK$32.10M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,890
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$166,926
−HK$5,116/mo
Today · 4.125%
HK$172,042
baseline
▲ 0.50% · 4.625%
HK$182,510
+HK$10,468/mo
Deposit HK$23.67M · loan HK$35.50M · min. income ≈ HK$344,084/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,101
−HK$9,731/mo
▼ 0.25% · 3.875%
HK$184,931
−HK$4,901/mo
Today · 4.125%
HK$189,832
baseline
▲ 0.50% · 4.625%
HK$199,838
+HK$10,006/mo
Deposit HK$23.67M · loan HK$35.50M · min. income ≈ HK$379,664/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,872
−HK$11,844/mo
▼ 0.25% · 3.875%
HK$194,747
−HK$5,969/mo
Today · 4.125%
HK$200,716
baseline
▲ 0.50% · 4.625%
HK$212,929
+HK$12,213/mo
Deposit HK$17.75M · loan HK$41.41M · min. income ≈ HK$401,432/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,118
−HK$11,352/mo
▼ 0.25% · 3.875%
HK$215,753
−HK$5,717/mo
Today · 4.125%
HK$221,470
baseline
▲ 0.50% · 4.625%
HK$233,144
+HK$11,674/mo
Deposit HK$17.75M · loan HK$41.41M · min. income ≈ HK$442,940/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,835
−HK$15,228/mo
▼ 0.25% · 3.875%
HK$250,389
−HK$7,674/mo
Today · 4.125%
HK$258,063
baseline
▲ 0.50% · 4.625%
HK$273,766
+HK$15,703/mo
Deposit HK$5.92M · loan HK$53.25M · min. income ≈ HK$516,126/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,152
−HK$14,595/mo
▼ 0.25% · 3.875%
HK$277,397
−HK$7,350/mo
Today · 4.125%
HK$284,747
baseline
▲ 0.50% · 4.625%
HK$299,757
+HK$15,010/mo
Deposit HK$5.92M · loan HK$53.25M · min. income ≈ HK$569,494/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,514,459 · Scale 2, in force from 26 Feb 2026)