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$134,845
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$139,040
−HK$4,261/mo
Today · 4.125%
HK$143,301
baseline
▲ 0.50% · 4.625%
HK$152,021
+HK$8,720/mo
Deposit HK$29.57M · loan HK$29.57M · min. income ≈ HK$286,602/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,014
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$154,037
−HK$4,082/mo
Today · 4.125%
HK$158,119
baseline
▲ 0.50% · 4.625%
HK$166,453
+HK$8,334/mo
Deposit HK$29.57M · loan HK$29.57M · min. income ≈ HK$316,238/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,814
−HK$10,147/mo
▼ 0.25% · 3.875%
HK$166,848
−HK$5,113/mo
Today · 4.125%
HK$171,961
baseline
▲ 0.50% · 4.625%
HK$182,425
+HK$10,464/mo
Deposit HK$23.65M · loan HK$35.48M · min. income ≈ HK$343,922/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,017
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$184,845
−HK$4,898/mo
Today · 4.125%
HK$189,743
baseline
▲ 0.50% · 4.625%
HK$199,744
+HK$10,001/mo
Deposit HK$23.65M · loan HK$35.48M · min. income ≈ HK$379,486/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,783
−HK$11,839/mo
▼ 0.25% · 3.875%
HK$194,656
−HK$5,966/mo
Today · 4.125%
HK$200,622
baseline
▲ 0.50% · 4.625%
HK$212,829
+HK$12,207/mo
Deposit HK$17.74M · loan HK$41.40M · min. income ≈ HK$401,244/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,020
−HK$11,346/mo
▼ 0.25% · 3.875%
HK$215,652
−HK$5,714/mo
Today · 4.125%
HK$221,366
baseline
▲ 0.50% · 4.625%
HK$233,035
+HK$11,669/mo
Deposit HK$17.74M · loan HK$41.40M · min. income ≈ HK$442,732/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,721
−HK$15,221/mo
▼ 0.25% · 3.875%
HK$250,271
−HK$7,671/mo
Today · 4.125%
HK$257,942
baseline
▲ 0.50% · 4.625%
HK$273,637
+HK$15,695/mo
Deposit HK$5.91M · loan HK$53.22M · min. income ≈ HK$515,884/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,025
−HK$14,589/mo
▼ 0.25% · 3.875%
HK$277,267
−HK$7,347/mo
Today · 4.125%
HK$284,614
baseline
▲ 0.50% · 4.625%
HK$299,616
+HK$15,002/mo
Deposit HK$5.91M · loan HK$53.22M · min. income ≈ HK$569,228/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,281 · Scale 2, in force from 26 Feb 2026)