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$134,525
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$138,709
−HK$4,251/mo
Today · 4.125%
HK$142,960
baseline
▲ 0.50% · 4.625%
HK$151,659
+HK$8,699/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$285,920/mo (50% DSR)
Upfront cash ≈ HK$32.00M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,657
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$153,671
−HK$4,072/mo
Today · 4.125%
HK$157,743
baseline
▲ 0.50% · 4.625%
HK$166,058
+HK$8,315/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$315,486/mo (50% DSR)
Upfront cash ≈ HK$32.00M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,429
−HK$10,123/mo
▼ 0.25% · 3.875%
HK$166,451
−HK$5,101/mo
Today · 4.125%
HK$171,552
baseline
▲ 0.50% · 4.625%
HK$181,991
+HK$10,439/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$343,104/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,589
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$184,405
−HK$4,886/mo
Today · 4.125%
HK$189,291
baseline
▲ 0.50% · 4.625%
HK$199,269
+HK$9,978/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$378,582/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,334
−HK$11,811/mo
▼ 0.25% · 3.875%
HK$194,193
−HK$5,952/mo
Today · 4.125%
HK$200,145
baseline
▲ 0.50% · 4.625%
HK$212,323
+HK$12,178/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$400,290/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,520
−HK$11,320/mo
▼ 0.25% · 3.875%
HK$215,139
−HK$5,701/mo
Today · 4.125%
HK$220,840
baseline
▲ 0.50% · 4.625%
HK$232,481
+HK$11,641/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$441,680/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,144
−HK$15,185/mo
▼ 0.25% · 3.875%
HK$249,676
−HK$7,653/mo
Today · 4.125%
HK$257,329
baseline
▲ 0.50% · 4.625%
HK$272,987
+HK$15,658/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$514,658/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,383
−HK$14,554/mo
▼ 0.25% · 3.875%
HK$276,608
−HK$7,329/mo
Today · 4.125%
HK$283,937
baseline
▲ 0.50% · 4.625%
HK$298,904
+HK$14,967/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$567,874/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,302 · Scale 2, in force from 26 Feb 2026)