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$134,645
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,834
−HK$4,255/mo
Today · 4.125%
HK$143,089
baseline
▲ 0.50% · 4.625%
HK$151,795
+HK$8,706/mo
Deposit HK$29.52M · loan HK$29.52M · min. income ≈ HK$286,178/mo (50% DSR)
Upfront cash ≈ HK$32.03M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,792
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,809
−HK$4,075/mo
Today · 4.125%
HK$157,884
baseline
▲ 0.50% · 4.625%
HK$166,207
+HK$8,323/mo
Deposit HK$29.52M · loan HK$29.52M · min. income ≈ HK$315,768/mo (50% DSR)
Upfront cash ≈ HK$32.03M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,574
−HK$10,133/mo
▼ 0.25% · 3.875%
HK$166,600
−HK$5,107/mo
Today · 4.125%
HK$171,707
baseline
▲ 0.50% · 4.625%
HK$182,154
+HK$10,447/mo
Deposit HK$23.62M · loan HK$35.43M · min. income ≈ HK$343,414/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,750
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$184,571
−HK$4,890/mo
Today · 4.125%
HK$189,461
baseline
▲ 0.50% · 4.625%
HK$199,448
+HK$9,987/mo
Deposit HK$23.62M · loan HK$35.43M · min. income ≈ HK$378,922/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,503
−HK$11,821/mo
▼ 0.25% · 3.875%
HK$194,367
−HK$5,957/mo
Today · 4.125%
HK$200,324
baseline
▲ 0.50% · 4.625%
HK$212,514
+HK$12,190/mo
Deposit HK$17.71M · loan HK$41.33M · min. income ≈ HK$400,648/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,708
−HK$11,330/mo
▼ 0.25% · 3.875%
HK$215,333
−HK$5,705/mo
Today · 4.125%
HK$221,038
baseline
▲ 0.50% · 4.625%
HK$232,689
+HK$11,651/mo
Deposit HK$17.71M · loan HK$41.33M · min. income ≈ HK$442,076/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,362
−HK$15,198/mo
▼ 0.25% · 3.875%
HK$249,900
−HK$7,660/mo
Today · 4.125%
HK$257,560
baseline
▲ 0.50% · 4.625%
HK$273,232
+HK$15,672/mo
Deposit HK$5.90M · loan HK$53.14M · min. income ≈ HK$515,120/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,625
−HK$14,567/mo
▼ 0.25% · 3.875%
HK$276,856
−HK$7,336/mo
Today · 4.125%
HK$284,192
baseline
▲ 0.50% · 4.625%
HK$299,172
+HK$14,980/mo
Deposit HK$5.90M · loan HK$53.14M · min. income ≈ HK$568,384/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,509,555 · Scale 2, in force from 26 Feb 2026)