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$135,846
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,071
−HK$4,294/mo
Today · 4.125%
HK$144,365
baseline
▲ 0.50% · 4.625%
HK$153,149
+HK$8,784/mo
Deposit HK$29.79M · loan HK$29.79M · min. income ≈ HK$288,730/mo (50% DSR)
Upfront cash ≈ HK$32.32M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,127
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,180
−HK$4,112/mo
Today · 4.125%
HK$159,292
baseline
▲ 0.50% · 4.625%
HK$167,689
+HK$8,397/mo
Deposit HK$29.79M · loan HK$29.79M · min. income ≈ HK$318,584/mo (50% DSR)
Upfront cash ≈ HK$32.32M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,015
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$168,086
−HK$5,152/mo
Today · 4.125%
HK$173,238
baseline
▲ 0.50% · 4.625%
HK$183,779
+HK$10,541/mo
Deposit HK$23.83M · loan HK$35.74M · min. income ≈ HK$346,476/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,353
−HK$9,798/mo
▼ 0.25% · 3.875%
HK$186,216
−HK$4,935/mo
Today · 4.125%
HK$191,151
baseline
▲ 0.50% · 4.625%
HK$201,226
+HK$10,075/mo
Deposit HK$23.83M · loan HK$35.74M · min. income ≈ HK$382,302/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,184
−HK$11,927/mo
▼ 0.25% · 3.875%
HK$196,100
−HK$6,011/mo
Today · 4.125%
HK$202,111
baseline
▲ 0.50% · 4.625%
HK$214,408
+HK$12,297/mo
Deposit HK$17.87M · loan HK$41.70M · min. income ≈ HK$404,222/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,578
−HK$11,431/mo
▼ 0.25% · 3.875%
HK$217,253
−HK$5,756/mo
Today · 4.125%
HK$223,009
baseline
▲ 0.50% · 4.625%
HK$234,764
+HK$11,755/mo
Deposit HK$17.87M · loan HK$41.70M · min. income ≈ HK$446,018/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,523
−HK$15,333/mo
▼ 0.25% · 3.875%
HK$252,129
−HK$7,727/mo
Today · 4.125%
HK$259,856
baseline
▲ 0.50% · 4.625%
HK$275,668
+HK$15,812/mo
Deposit HK$5.96M · loan HK$53.62M · min. income ≈ HK$519,712/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,029
−HK$14,697/mo
▼ 0.25% · 3.875%
HK$279,325
−HK$7,401/mo
Today · 4.125%
HK$286,726
baseline
▲ 0.50% · 4.625%
HK$301,840
+HK$15,114/mo
Deposit HK$5.96M · loan HK$53.62M · min. income ≈ HK$573,452/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$2,531,931 · Scale 2, in force from 26 Feb 2026)