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$132,986
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,123
−HK$4,202/mo
Today · 4.125%
HK$141,325
baseline
▲ 0.50% · 4.625%
HK$149,925
+HK$8,600/mo
Deposit HK$29.16M · loan HK$29.16M · min. income ≈ HK$282,650/mo (50% DSR)
Upfront cash ≈ HK$31.64M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,946
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$151,913
−HK$4,026/mo
Today · 4.125%
HK$155,939
baseline
▲ 0.50% · 4.625%
HK$164,158
+HK$8,219/mo
Deposit HK$29.16M · loan HK$29.16M · min. income ≈ HK$311,878/mo (50% DSR)
Upfront cash ≈ HK$31.64M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,583
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$164,547
−HK$5,043/mo
Today · 4.125%
HK$169,590
baseline
▲ 0.50% · 4.625%
HK$179,910
+HK$10,320/mo
Deposit HK$23.33M · loan HK$34.99M · min. income ≈ HK$339,180/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,535
−HK$9,591/mo
▼ 0.25% · 3.875%
HK$182,296
−HK$4,830/mo
Today · 4.125%
HK$187,126
baseline
▲ 0.50% · 4.625%
HK$196,990
+HK$9,864/mo
Deposit HK$23.33M · loan HK$34.99M · min. income ≈ HK$374,252/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,180
−HK$11,676/mo
▼ 0.25% · 3.875%
HK$191,972
−HK$5,884/mo
Today · 4.125%
HK$197,856
baseline
▲ 0.50% · 4.625%
HK$209,895
+HK$12,039/mo
Deposit HK$17.50M · loan HK$40.82M · min. income ≈ HK$395,712/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,124
−HK$11,190/mo
▼ 0.25% · 3.875%
HK$212,679
−HK$5,635/mo
Today · 4.125%
HK$218,314
baseline
▲ 0.50% · 4.625%
HK$229,822
+HK$11,508/mo
Deposit HK$17.50M · loan HK$40.82M · min. income ≈ HK$436,628/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,375
−HK$15,011/mo
▼ 0.25% · 3.875%
HK$246,821
−HK$7,565/mo
Today · 4.125%
HK$254,386
baseline
▲ 0.50% · 4.625%
HK$269,864
+HK$15,478/mo
Deposit HK$5.83M · loan HK$52.49M · min. income ≈ HK$508,772/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,302
−HK$14,388/mo
▼ 0.25% · 3.875%
HK$273,444
−HK$7,246/mo
Today · 4.125%
HK$280,690
baseline
▲ 0.50% · 4.625%
HK$295,485
+HK$14,795/mo
Deposit HK$5.83M · loan HK$52.49M · min. income ≈ HK$561,380/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,478,627 · Scale 2, in force from 26 Feb 2026)