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$132,613
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,738
−HK$4,191/mo
Today · 4.125%
HK$140,929
baseline
▲ 0.50% · 4.625%
HK$149,505
+HK$8,576/mo
Deposit HK$29.08M · loan HK$29.08M · min. income ≈ HK$281,858/mo (50% DSR)
Upfront cash ≈ HK$31.55M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,531
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,488
−HK$4,014/mo
Today · 4.125%
HK$155,502
baseline
▲ 0.50% · 4.625%
HK$163,698
+HK$8,196/mo
Deposit HK$29.08M · loan HK$29.08M · min. income ≈ HK$311,004/mo (50% DSR)
Upfront cash ≈ HK$31.55M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,136
−HK$9,979/mo
▼ 0.25% · 3.875%
HK$164,086
−HK$5,029/mo
Today · 4.125%
HK$169,115
baseline
▲ 0.50% · 4.625%
HK$179,406
+HK$10,291/mo
Deposit HK$23.26M · loan HK$34.89M · min. income ≈ HK$338,230/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,037
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$181,785
−HK$4,817/mo
Today · 4.125%
HK$186,602
baseline
▲ 0.50% · 4.625%
HK$196,438
+HK$9,836/mo
Deposit HK$23.26M · loan HK$34.89M · min. income ≈ HK$373,204/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,659
−HK$11,642/mo
▼ 0.25% · 3.875%
HK$191,434
−HK$5,867/mo
Today · 4.125%
HK$197,301
baseline
▲ 0.50% · 4.625%
HK$209,307
+HK$12,006/mo
Deposit HK$17.45M · loan HK$40.71M · min. income ≈ HK$394,602/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,544
−HK$11,158/mo
▼ 0.25% · 3.875%
HK$212,083
−HK$5,619/mo
Today · 4.125%
HK$217,702
baseline
▲ 0.50% · 4.625%
HK$229,178
+HK$11,476/mo
Deposit HK$17.45M · loan HK$40.71M · min. income ≈ HK$435,404/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,704
−HK$14,969/mo
▼ 0.25% · 3.875%
HK$246,129
−HK$7,544/mo
Today · 4.125%
HK$253,673
baseline
▲ 0.50% · 4.625%
HK$269,108
+HK$15,435/mo
Deposit HK$5.82M · loan HK$52.34M · min. income ≈ HK$507,346/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,556
−HK$14,347/mo
▼ 0.25% · 3.875%
HK$272,678
−HK$7,225/mo
Today · 4.125%
HK$279,903
baseline
▲ 0.50% · 4.625%
HK$294,657
+HK$14,754/mo
Deposit HK$5.82M · loan HK$52.34M · min. income ≈ HK$559,806/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,471,683 · Scale 2, in force from 26 Feb 2026)