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$134,126
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,298
−HK$4,238/mo
Today · 4.125%
HK$142,536
baseline
▲ 0.50% · 4.625%
HK$151,209
+HK$8,673/mo
Deposit HK$29.41M · loan HK$29.41M · min. income ≈ HK$285,072/mo (50% DSR)
Upfront cash ≈ HK$31.91M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,213
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$153,215
−HK$4,060/mo
Today · 4.125%
HK$157,275
baseline
▲ 0.50% · 4.625%
HK$165,565
+HK$8,290/mo
Deposit HK$29.41M · loan HK$29.41M · min. income ≈ HK$314,550/mo (50% DSR)
Upfront cash ≈ HK$31.91M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,951
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,957
−HK$5,087/mo
Today · 4.125%
HK$171,044
baseline
▲ 0.50% · 4.625%
HK$181,451
+HK$10,407/mo
Deposit HK$23.53M · loan HK$35.29M · min. income ≈ HK$342,088/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,056
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$183,858
−HK$4,872/mo
Today · 4.125%
HK$188,730
baseline
▲ 0.50% · 4.625%
HK$198,678
+HK$9,948/mo
Deposit HK$23.53M · loan HK$35.29M · min. income ≈ HK$377,460/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,776
−HK$11,775/mo
▼ 0.25% · 3.875%
HK$193,617
−HK$5,934/mo
Today · 4.125%
HK$199,551
baseline
▲ 0.50% · 4.625%
HK$211,693
+HK$12,142/mo
Deposit HK$17.65M · loan HK$41.17M · min. income ≈ HK$399,102/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,899
−HK$11,286/mo
▼ 0.25% · 3.875%
HK$214,501
−HK$5,684/mo
Today · 4.125%
HK$220,185
baseline
▲ 0.50% · 4.625%
HK$231,791
+HK$11,606/mo
Deposit HK$17.65M · loan HK$41.17M · min. income ≈ HK$440,370/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,426
−HK$15,140/mo
▼ 0.25% · 3.875%
HK$248,936
−HK$7,630/mo
Today · 4.125%
HK$256,566
baseline
▲ 0.50% · 4.625%
HK$272,177
+HK$15,611/mo
Deposit HK$5.88M · loan HK$52.94M · min. income ≈ HK$513,132/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,584
−HK$14,511/mo
▼ 0.25% · 3.875%
HK$275,787
−HK$7,308/mo
Today · 4.125%
HK$283,095
baseline
▲ 0.50% · 4.625%
HK$298,017
+HK$14,922/mo
Deposit HK$5.88M · loan HK$52.94M · min. income ≈ HK$566,190/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$2,499,868 · Scale 2, in force from 26 Feb 2026)