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$132,515
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,637
−HK$4,188/mo
Today · 4.125%
HK$140,825
baseline
▲ 0.50% · 4.625%
HK$149,394
+HK$8,569/mo
Deposit HK$29.06M · loan HK$29.06M · min. income ≈ HK$281,650/mo (50% DSR)
Upfront cash ≈ HK$31.53M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,422
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,375
−HK$4,011/mo
Today · 4.125%
HK$155,386
baseline
▲ 0.50% · 4.625%
HK$163,577
+HK$8,191/mo
Deposit HK$29.06M · loan HK$29.06M · min. income ≈ HK$310,772/mo (50% DSR)
Upfront cash ≈ HK$31.53M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,018
−HK$9,972/mo
▼ 0.25% · 3.875%
HK$163,964
−HK$5,026/mo
Today · 4.125%
HK$168,990
baseline
▲ 0.50% · 4.625%
HK$179,272
+HK$10,282/mo
Deposit HK$23.25M · loan HK$34.87M · min. income ≈ HK$337,980/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,906
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$181,650
−HK$4,814/mo
Today · 4.125%
HK$186,464
baseline
▲ 0.50% · 4.625%
HK$196,292
+HK$9,828/mo
Deposit HK$23.25M · loan HK$34.87M · min. income ≈ HK$372,928/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,521
−HK$11,634/mo
▼ 0.25% · 3.875%
HK$191,292
−HK$5,863/mo
Today · 4.125%
HK$197,155
baseline
▲ 0.50% · 4.625%
HK$209,151
+HK$11,996/mo
Deposit HK$17.43M · loan HK$40.68M · min. income ≈ HK$394,310/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,390
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$211,926
−HK$5,615/mo
Today · 4.125%
HK$217,541
baseline
▲ 0.50% · 4.625%
HK$229,008
+HK$11,467/mo
Deposit HK$17.43M · loan HK$40.68M · min. income ≈ HK$435,082/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,527
−HK$14,958/mo
▼ 0.25% · 3.875%
HK$245,947
−HK$7,538/mo
Today · 4.125%
HK$253,485
baseline
▲ 0.50% · 4.625%
HK$268,909
+HK$15,424/mo
Deposit HK$5.81M · loan HK$52.30M · min. income ≈ HK$506,970/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,359
−HK$14,336/mo
▼ 0.25% · 3.875%
HK$272,476
−HK$7,219/mo
Today · 4.125%
HK$279,695
baseline
▲ 0.50% · 4.625%
HK$294,439
+HK$14,744/mo
Deposit HK$5.81M · loan HK$52.30M · min. income ≈ HK$559,390/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$2,469,849 · Scale 2, in force from 26 Feb 2026)