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$136,648
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$140,898
−HK$4,319/mo
Today · 4.125%
HK$145,217
baseline
▲ 0.50% · 4.625%
HK$154,053
+HK$8,836/mo
Deposit HK$29.96M · loan HK$29.96M · min. income ≈ HK$290,434/mo (50% DSR)
Upfront cash ≈ HK$32.51M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,019
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$156,096
−HK$4,136/mo
Today · 4.125%
HK$160,232
baseline
▲ 0.50% · 4.625%
HK$168,678
+HK$8,446/mo
Deposit HK$29.96M · loan HK$29.96M · min. income ≈ HK$320,464/mo (50% DSR)
Upfront cash ≈ HK$32.51M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,977
−HK$10,283/mo
▼ 0.25% · 3.875%
HK$169,078
−HK$5,182/mo
Today · 4.125%
HK$174,260
baseline
▲ 0.50% · 4.625%
HK$184,863
+HK$10,603/mo
Deposit HK$23.97M · loan HK$35.96M · min. income ≈ HK$348,520/mo (50% DSR)
Upfront cash ≈ HK$26.52M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,423
−HK$9,856/mo
▼ 0.25% · 3.875%
HK$187,315
−HK$4,964/mo
Today · 4.125%
HK$192,279
baseline
▲ 0.50% · 4.625%
HK$202,414
+HK$10,135/mo
Deposit HK$23.97M · loan HK$35.96M · min. income ≈ HK$384,558/mo (50% DSR)
Upfront cash ≈ HK$26.52M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,307
−HK$11,996/mo
▼ 0.25% · 3.875%
HK$197,257
−HK$6,046/mo
Today · 4.125%
HK$203,303
baseline
▲ 0.50% · 4.625%
HK$215,674
+HK$12,371/mo
Deposit HK$17.98M · loan HK$41.95M · min. income ≈ HK$406,606/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,827
−HK$11,498/mo
▼ 0.25% · 3.875%
HK$218,535
−HK$5,790/mo
Today · 4.125%
HK$224,325
baseline
▲ 0.50% · 4.625%
HK$236,150
+HK$11,825/mo
Deposit HK$17.98M · loan HK$41.95M · min. income ≈ HK$448,650/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,966
−HK$15,424/mo
▼ 0.25% · 3.875%
HK$253,617
−HK$7,773/mo
Today · 4.125%
HK$261,390
baseline
▲ 0.50% · 4.625%
HK$277,295
+HK$15,905/mo
Deposit HK$5.99M · loan HK$53.93M · min. income ≈ HK$522,780/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,634
−HK$14,784/mo
▼ 0.25% · 3.875%
HK$280,973
−HK$7,445/mo
Today · 4.125%
HK$288,418
baseline
▲ 0.50% · 4.625%
HK$303,621
+HK$15,203/mo
Deposit HK$5.99M · loan HK$53.93M · min. income ≈ HK$576,836/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,546,874 · Scale 2, in force from 26 Feb 2026)