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$133,765
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$137,926
−HK$4,227/mo
Today · 4.125%
HK$142,153
baseline
▲ 0.50% · 4.625%
HK$150,803
+HK$8,650/mo
Deposit HK$29.33M · loan HK$29.33M · min. income ≈ HK$284,306/mo (50% DSR)
Upfront cash ≈ HK$31.82M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,812
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,803
−HK$4,049/mo
Today · 4.125%
HK$156,852
baseline
▲ 0.50% · 4.625%
HK$165,120
+HK$8,268/mo
Deposit HK$29.33M · loan HK$29.33M · min. income ≈ HK$313,704/mo (50% DSR)
Upfront cash ≈ HK$31.82M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,518
−HK$10,066/mo
▼ 0.25% · 3.875%
HK$165,511
−HK$5,073/mo
Today · 4.125%
HK$170,584
baseline
▲ 0.50% · 4.625%
HK$180,963
+HK$10,379/mo
Deposit HK$23.46M · loan HK$35.20M · min. income ≈ HK$341,168/mo (50% DSR)
Upfront cash ≈ HK$25.96M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,574
−HK$9,648/mo
▼ 0.25% · 3.875%
HK$183,364
−HK$4,858/mo
Today · 4.125%
HK$188,222
baseline
▲ 0.50% · 4.625%
HK$198,144
+HK$9,922/mo
Deposit HK$23.46M · loan HK$35.20M · min. income ≈ HK$376,444/mo (50% DSR)
Upfront cash ≈ HK$25.96M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,271
−HK$11,743/mo
▼ 0.25% · 3.875%
HK$193,096
−HK$5,918/mo
Today · 4.125%
HK$199,014
baseline
▲ 0.50% · 4.625%
HK$211,124
+HK$12,110/mo
Deposit HK$17.60M · loan HK$41.06M · min. income ≈ HK$398,028/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,337
−HK$11,255/mo
▼ 0.25% · 3.875%
HK$213,924
−HK$5,668/mo
Today · 4.125%
HK$219,592
baseline
▲ 0.50% · 4.625%
HK$231,167
+HK$11,575/mo
Deposit HK$17.60M · loan HK$41.06M · min. income ≈ HK$439,184/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,776
−HK$15,099/mo
▼ 0.25% · 3.875%
HK$248,266
−HK$7,609/mo
Today · 4.125%
HK$255,875
baseline
▲ 0.50% · 4.625%
HK$271,445
+HK$15,570/mo
Deposit HK$5.87M · loan HK$52.80M · min. income ≈ HK$511,750/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,861
−HK$14,472/mo
▼ 0.25% · 3.875%
HK$275,045
−HK$7,288/mo
Today · 4.125%
HK$282,333
baseline
▲ 0.50% · 4.625%
HK$297,215
+HK$14,882/mo
Deposit HK$5.87M · loan HK$52.80M · min. income ≈ HK$564,666/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$2,493,141 · Scale 2, in force from 26 Feb 2026)