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$135,001
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$139,201
−HK$4,266/mo
Today · 4.125%
HK$143,467
baseline
▲ 0.50% · 4.625%
HK$152,197
+HK$8,730/mo
Deposit HK$29.60M · loan HK$29.60M · min. income ≈ HK$286,934/mo (50% DSR)
Upfront cash ≈ HK$32.12M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,188
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,216
−HK$4,086/mo
Today · 4.125%
HK$158,302
baseline
▲ 0.50% · 4.625%
HK$166,646
+HK$8,344/mo
Deposit HK$29.60M · loan HK$29.60M · min. income ≈ HK$316,604/mo (50% DSR)
Upfront cash ≈ HK$32.12M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,002
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$167,041
−HK$5,120/mo
Today · 4.125%
HK$172,161
baseline
▲ 0.50% · 4.625%
HK$182,636
+HK$10,475/mo
Deposit HK$23.68M · loan HK$35.52M · min. income ≈ HK$344,322/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,225
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$185,059
−HK$4,903/mo
Today · 4.125%
HK$189,962
baseline
▲ 0.50% · 4.625%
HK$199,976
+HK$10,014/mo
Deposit HK$23.68M · loan HK$35.52M · min. income ≈ HK$379,924/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,002
−HK$11,852/mo
▼ 0.25% · 3.875%
HK$194,881
−HK$5,973/mo
Today · 4.125%
HK$200,854
baseline
▲ 0.50% · 4.625%
HK$213,076
+HK$12,222/mo
Deposit HK$17.76M · loan HK$41.44M · min. income ≈ HK$401,708/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,263
−HK$11,360/mo
▼ 0.25% · 3.875%
HK$215,902
−HK$5,721/mo
Today · 4.125%
HK$221,623
baseline
▲ 0.50% · 4.625%
HK$233,305
+HK$11,682/mo
Deposit HK$17.76M · loan HK$41.44M · min. income ≈ HK$443,246/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,003
−HK$15,238/mo
▼ 0.25% · 3.875%
HK$250,561
−HK$7,680/mo
Today · 4.125%
HK$258,241
baseline
▲ 0.50% · 4.625%
HK$273,954
+HK$15,713/mo
Deposit HK$5.92M · loan HK$53.28M · min. income ≈ HK$516,482/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,338
−HK$14,606/mo
▼ 0.25% · 3.875%
HK$277,588
−HK$7,356/mo
Today · 4.125%
HK$284,944
baseline
▲ 0.50% · 4.625%
HK$299,963
+HK$15,019/mo
Deposit HK$5.92M · loan HK$53.28M · min. income ≈ HK$569,888/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,516,192 · Scale 2, in force from 26 Feb 2026)