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$132,195
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,307
−HK$4,178/mo
Today · 4.125%
HK$140,485
baseline
▲ 0.50% · 4.625%
HK$149,033
+HK$8,548/mo
Deposit HK$28.99M · loan HK$28.99M · min. income ≈ HK$280,970/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,065
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$151,010
−HK$4,001/mo
Today · 4.125%
HK$155,011
baseline
▲ 0.50% · 4.625%
HK$163,182
+HK$8,171/mo
Deposit HK$28.99M · loan HK$28.99M · min. income ≈ HK$310,022/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,634
−HK$9,948/mo
▼ 0.25% · 3.875%
HK$163,568
−HK$5,014/mo
Today · 4.125%
HK$168,582
baseline
▲ 0.50% · 4.625%
HK$178,839
+HK$10,257/mo
Deposit HK$23.19M · loan HK$34.78M · min. income ≈ HK$337,164/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,479
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$181,212
−HK$4,801/mo
Today · 4.125%
HK$186,013
baseline
▲ 0.50% · 4.625%
HK$195,818
+HK$9,805/mo
Deposit HK$23.19M · loan HK$34.78M · min. income ≈ HK$372,026/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,073
−HK$11,605/mo
▼ 0.25% · 3.875%
HK$190,830
−HK$5,848/mo
Today · 4.125%
HK$196,678
baseline
▲ 0.50% · 4.625%
HK$208,646
+HK$11,968/mo
Deposit HK$17.39M · loan HK$40.58M · min. income ≈ HK$393,356/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,892
−HK$11,123/mo
▼ 0.25% · 3.875%
HK$211,414
−HK$5,601/mo
Today · 4.125%
HK$217,015
baseline
▲ 0.50% · 4.625%
HK$228,454
+HK$11,439/mo
Deposit HK$17.39M · loan HK$40.58M · min. income ≈ HK$434,030/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,951
−HK$14,921/mo
▼ 0.25% · 3.875%
HK$245,352
−HK$7,520/mo
Today · 4.125%
HK$252,872
baseline
▲ 0.50% · 4.625%
HK$268,259
+HK$15,387/mo
Deposit HK$5.80M · loan HK$52.18M · min. income ≈ HK$505,744/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,718
−HK$14,302/mo
▼ 0.25% · 3.875%
HK$271,817
−HK$7,203/mo
Today · 4.125%
HK$279,020
baseline
▲ 0.50% · 4.625%
HK$293,727
+HK$14,707/mo
Deposit HK$5.80M · loan HK$52.18M · min. income ≈ HK$558,040/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$2,463,881 · Scale 2, in force from 26 Feb 2026)