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$134,860
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$139,054
−HK$4,262/mo
Today · 4.125%
HK$143,316
baseline
▲ 0.50% · 4.625%
HK$152,037
+HK$8,721/mo
Deposit HK$29.57M · loan HK$29.57M · min. income ≈ HK$286,632/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,030
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$154,054
−HK$4,082/mo
Today · 4.125%
HK$158,136
baseline
▲ 0.50% · 4.625%
HK$166,471
+HK$8,335/mo
Deposit HK$29.57M · loan HK$29.57M · min. income ≈ HK$316,272/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,831
−HK$10,149/mo
▼ 0.25% · 3.875%
HK$166,865
−HK$5,115/mo
Today · 4.125%
HK$171,980
baseline
▲ 0.50% · 4.625%
HK$182,444
+HK$10,464/mo
Deposit HK$23.66M · loan HK$35.49M · min. income ≈ HK$343,960/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,036
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$184,864
−HK$4,899/mo
Today · 4.125%
HK$189,763
baseline
▲ 0.50% · 4.625%
HK$199,765
+HK$10,002/mo
Deposit HK$23.66M · loan HK$35.49M · min. income ≈ HK$379,526/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,803
−HK$11,840/mo
▼ 0.25% · 3.875%
HK$194,676
−HK$5,967/mo
Today · 4.125%
HK$200,643
baseline
▲ 0.50% · 4.625%
HK$212,852
+HK$12,209/mo
Deposit HK$17.74M · loan HK$41.40M · min. income ≈ HK$401,286/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,042
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$215,675
−HK$5,715/mo
Today · 4.125%
HK$221,390
baseline
▲ 0.50% · 4.625%
HK$233,060
+HK$11,670/mo
Deposit HK$17.74M · loan HK$41.40M · min. income ≈ HK$442,780/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,747
−HK$15,223/mo
▼ 0.25% · 3.875%
HK$250,298
−HK$7,672/mo
Today · 4.125%
HK$257,970
baseline
▲ 0.50% · 4.625%
HK$273,666
+HK$15,696/mo
Deposit HK$5.91M · loan HK$53.23M · min. income ≈ HK$515,940/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,054
−HK$14,590/mo
▼ 0.25% · 3.875%
HK$277,297
−HK$7,347/mo
Today · 4.125%
HK$284,644
baseline
▲ 0.50% · 4.625%
HK$299,648
+HK$15,004/mo
Deposit HK$5.91M · loan HK$53.23M · min. income ≈ HK$569,288/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,548 · Scale 2, in force from 26 Feb 2026)