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$133,088
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,228
−HK$4,206/mo
Today · 4.125%
HK$141,434
baseline
▲ 0.50% · 4.625%
HK$150,040
+HK$8,606/mo
Deposit HK$29.18M · loan HK$29.18M · min. income ≈ HK$282,868/mo (50% DSR)
Upfront cash ≈ HK$31.66M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,060
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,030
−HK$4,029/mo
Today · 4.125%
HK$156,059
baseline
▲ 0.50% · 4.625%
HK$164,285
+HK$8,226/mo
Deposit HK$29.18M · loan HK$29.18M · min. income ≈ HK$312,118/mo (50% DSR)
Upfront cash ≈ HK$31.66M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,706
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$164,674
−HK$5,047/mo
Today · 4.125%
HK$169,721
baseline
▲ 0.50% · 4.625%
HK$180,048
+HK$10,327/mo
Deposit HK$23.35M · loan HK$35.02M · min. income ≈ HK$339,442/mo (50% DSR)
Upfront cash ≈ HK$25.83M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,671
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$182,436
−HK$4,834/mo
Today · 4.125%
HK$187,270
baseline
▲ 0.50% · 4.625%
HK$197,142
+HK$9,872/mo
Deposit HK$23.35M · loan HK$35.02M · min. income ≈ HK$374,540/mo (50% DSR)
Upfront cash ≈ HK$25.83M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,324
−HK$11,684/mo
▼ 0.25% · 3.875%
HK$192,120
−HK$5,888/mo
Today · 4.125%
HK$198,008
baseline
▲ 0.50% · 4.625%
HK$210,056
+HK$12,048/mo
Deposit HK$17.51M · loan HK$40.86M · min. income ≈ HK$396,016/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,283
−HK$11,199/mo
▼ 0.25% · 3.875%
HK$212,843
−HK$5,639/mo
Today · 4.125%
HK$218,482
baseline
▲ 0.50% · 4.625%
HK$229,999
+HK$11,517/mo
Deposit HK$17.51M · loan HK$40.86M · min. income ≈ HK$436,964/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,559
−HK$15,023/mo
▼ 0.25% · 3.875%
HK$247,011
−HK$7,571/mo
Today · 4.125%
HK$254,582
baseline
▲ 0.50% · 4.625%
HK$270,072
+HK$15,490/mo
Deposit HK$5.84M · loan HK$52.53M · min. income ≈ HK$509,164/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,507
−HK$14,399/mo
▼ 0.25% · 3.875%
HK$273,655
−HK$7,251/mo
Today · 4.125%
HK$280,906
baseline
▲ 0.50% · 4.625%
HK$295,713
+HK$14,807/mo
Deposit HK$5.84M · loan HK$52.53M · min. income ≈ HK$561,812/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,480,536 · Scale 2, in force from 26 Feb 2026)