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$132,374
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,492
−HK$4,183/mo
Today · 4.125%
HK$140,675
baseline
▲ 0.50% · 4.625%
HK$149,235
+HK$8,560/mo
Deposit HK$29.03M · loan HK$29.03M · min. income ≈ HK$281,350/mo (50% DSR)
Upfront cash ≈ HK$31.49M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,265
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,215
−HK$4,006/mo
Today · 4.125%
HK$155,221
baseline
▲ 0.50% · 4.625%
HK$163,403
+HK$8,182/mo
Deposit HK$29.03M · loan HK$29.03M · min. income ≈ HK$310,442/mo (50% DSR)
Upfront cash ≈ HK$31.49M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,849
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$163,790
−HK$5,020/mo
Today · 4.125%
HK$168,810
baseline
▲ 0.50% · 4.625%
HK$179,082
+HK$10,272/mo
Deposit HK$23.22M · loan HK$34.83M · min. income ≈ HK$337,620/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,718
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$181,458
−HK$4,808/mo
Today · 4.125%
HK$186,266
baseline
▲ 0.50% · 4.625%
HK$196,084
+HK$9,818/mo
Deposit HK$23.22M · loan HK$34.83M · min. income ≈ HK$372,532/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,324
−HK$11,622/mo
▼ 0.25% · 3.875%
HK$191,089
−HK$5,857/mo
Today · 4.125%
HK$196,946
baseline
▲ 0.50% · 4.625%
HK$208,929
+HK$11,983/mo
Deposit HK$17.42M · loan HK$40.64M · min. income ≈ HK$393,892/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,171
−HK$11,139/mo
▼ 0.25% · 3.875%
HK$211,701
−HK$5,609/mo
Today · 4.125%
HK$217,310
baseline
▲ 0.50% · 4.625%
HK$228,765
+HK$11,455/mo
Deposit HK$17.42M · loan HK$40.64M · min. income ≈ HK$434,620/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,274
−HK$14,942/mo
▼ 0.25% · 3.875%
HK$245,686
−HK$7,530/mo
Today · 4.125%
HK$253,216
baseline
▲ 0.50% · 4.625%
HK$268,623
+HK$15,407/mo
Deposit HK$5.81M · loan HK$52.25M · min. income ≈ HK$506,432/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,077
−HK$14,322/mo
▼ 0.25% · 3.875%
HK$272,187
−HK$7,212/mo
Today · 4.125%
HK$279,399
baseline
▲ 0.50% · 4.625%
HK$294,126
+HK$14,727/mo
Deposit HK$5.81M · loan HK$52.25M · min. income ≈ HK$558,798/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$2,467,228 · Scale 2, in force from 26 Feb 2026)