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$133,031
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$137,169
−HK$4,204/mo
Today · 4.125%
HK$141,373
baseline
▲ 0.50% · 4.625%
HK$149,975
+HK$8,602/mo
Deposit HK$29.17M · loan HK$29.17M · min. income ≈ HK$282,746/mo (50% DSR)
Upfront cash ≈ HK$31.65M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,995
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,964
−HK$4,027/mo
Today · 4.125%
HK$155,991
baseline
▲ 0.50% · 4.625%
HK$164,213
+HK$8,222/mo
Deposit HK$29.17M · loan HK$29.17M · min. income ≈ HK$311,982/mo (50% DSR)
Upfront cash ≈ HK$31.65M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,637
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,602
−HK$5,045/mo
Today · 4.125%
HK$169,647
baseline
▲ 0.50% · 4.625%
HK$179,970
+HK$10,323/mo
Deposit HK$23.34M · loan HK$35.00M · min. income ≈ HK$339,294/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,594
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$182,357
−HK$4,832/mo
Today · 4.125%
HK$187,189
baseline
▲ 0.50% · 4.625%
HK$197,056
+HK$9,867/mo
Deposit HK$23.34M · loan HK$35.00M · min. income ≈ HK$374,378/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,243
−HK$11,679/mo
▼ 0.25% · 3.875%
HK$192,036
−HK$5,886/mo
Today · 4.125%
HK$197,922
baseline
▲ 0.50% · 4.625%
HK$209,965
+HK$12,043/mo
Deposit HK$17.50M · loan HK$40.84M · min. income ≈ HK$395,844/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,193
−HK$11,194/mo
▼ 0.25% · 3.875%
HK$212,750
−HK$5,637/mo
Today · 4.125%
HK$218,387
baseline
▲ 0.50% · 4.625%
HK$229,899
+HK$11,512/mo
Deposit HK$17.50M · loan HK$40.84M · min. income ≈ HK$436,774/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,455
−HK$15,016/mo
▼ 0.25% · 3.875%
HK$246,904
−HK$7,567/mo
Today · 4.125%
HK$254,471
baseline
▲ 0.50% · 4.625%
HK$269,955
+HK$15,484/mo
Deposit HK$5.83M · loan HK$52.51M · min. income ≈ HK$508,942/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,391
−HK$14,393/mo
▼ 0.25% · 3.875%
HK$273,536
−HK$7,248/mo
Today · 4.125%
HK$280,784
baseline
▲ 0.50% · 4.625%
HK$295,584
+HK$14,800/mo
Deposit HK$5.83M · loan HK$52.51M · min. income ≈ HK$561,568/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$2,479,459 · Scale 2, in force from 26 Feb 2026)