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$135,894
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$140,121
−HK$4,295/mo
Today · 4.125%
HK$144,416
baseline
▲ 0.50% · 4.625%
HK$153,203
+HK$8,787/mo
Deposit HK$29.80M · loan HK$29.80M · min. income ≈ HK$288,832/mo (50% DSR)
Upfront cash ≈ HK$32.33M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,181
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$155,235
−HK$4,113/mo
Today · 4.125%
HK$159,348
baseline
▲ 0.50% · 4.625%
HK$167,748
+HK$8,400/mo
Deposit HK$29.80M · loan HK$29.80M · min. income ≈ HK$318,696/mo (50% DSR)
Upfront cash ≈ HK$32.33M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,073
−HK$10,226/mo
▼ 0.25% · 3.875%
HK$168,145
−HK$5,154/mo
Today · 4.125%
HK$173,299
baseline
▲ 0.50% · 4.625%
HK$183,843
+HK$10,544/mo
Deposit HK$23.84M · loan HK$35.76M · min. income ≈ HK$346,598/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,417
−HK$9,801/mo
▼ 0.25% · 3.875%
HK$186,282
−HK$4,936/mo
Today · 4.125%
HK$191,218
baseline
▲ 0.50% · 4.625%
HK$201,297
+HK$10,079/mo
Deposit HK$23.84M · loan HK$35.76M · min. income ≈ HK$382,436/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,251
−HK$11,931/mo
▼ 0.25% · 3.875%
HK$196,169
−HK$6,013/mo
Today · 4.125%
HK$202,182
baseline
▲ 0.50% · 4.625%
HK$214,484
+HK$12,302/mo
Deposit HK$17.88M · loan HK$41.72M · min. income ≈ HK$404,364/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,653
−HK$11,435/mo
▼ 0.25% · 3.875%
HK$217,329
−HK$5,759/mo
Today · 4.125%
HK$223,088
baseline
▲ 0.50% · 4.625%
HK$234,847
+HK$11,759/mo
Deposit HK$17.88M · loan HK$41.72M · min. income ≈ HK$446,176/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,609
−HK$15,339/mo
▼ 0.25% · 3.875%
HK$252,218
−HK$7,730/mo
Today · 4.125%
HK$259,948
baseline
▲ 0.50% · 4.625%
HK$275,765
+HK$15,817/mo
Deposit HK$5.96M · loan HK$53.64M · min. income ≈ HK$519,896/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,125
−HK$14,702/mo
▼ 0.25% · 3.875%
HK$279,423
−HK$7,404/mo
Today · 4.125%
HK$286,827
baseline
▲ 0.50% · 4.625%
HK$301,946
+HK$15,119/mo
Deposit HK$5.96M · loan HK$53.64M · min. income ≈ HK$573,654/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,532,824 · Scale 2, in force from 26 Feb 2026)