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$138,672
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,985
−HK$4,382/mo
Today · 4.125%
HK$147,367
baseline
▲ 0.50% · 4.625%
HK$156,334
+HK$8,967/mo
Deposit HK$30.41M · loan HK$30.41M · min. income ≈ HK$294,734/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,271
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$158,408
−HK$4,197/mo
Today · 4.125%
HK$162,605
baseline
▲ 0.50% · 4.625%
HK$171,177
+HK$8,572/mo
Deposit HK$30.41M · loan HK$30.41M · min. income ≈ HK$325,210/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,406
−HK$10,435/mo
▼ 0.25% · 3.875%
HK$171,582
−HK$5,259/mo
Today · 4.125%
HK$176,841
baseline
▲ 0.50% · 4.625%
HK$187,601
+HK$10,760/mo
Deposit HK$24.33M · loan HK$36.49M · min. income ≈ HK$353,682/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,125
−HK$10,002/mo
▼ 0.25% · 3.875%
HK$190,090
−HK$5,037/mo
Today · 4.125%
HK$195,127
baseline
▲ 0.50% · 4.625%
HK$205,412
+HK$10,285/mo
Deposit HK$24.33M · loan HK$36.49M · min. income ≈ HK$390,254/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,140
−HK$12,174/mo
▼ 0.25% · 3.875%
HK$200,179
−HK$6,135/mo
Today · 4.125%
HK$206,314
baseline
▲ 0.50% · 4.625%
HK$218,868
+HK$12,554/mo
Deposit HK$18.24M · loan HK$42.57M · min. income ≈ HK$412,628/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,979
−HK$11,669/mo
▼ 0.25% · 3.875%
HK$221,771
−HK$5,877/mo
Today · 4.125%
HK$227,648
baseline
▲ 0.50% · 4.625%
HK$239,647
+HK$11,999/mo
Deposit HK$18.24M · loan HK$42.57M · min. income ≈ HK$455,296/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,609
−HK$15,652/mo
▼ 0.25% · 3.875%
HK$257,373
−HK$7,888/mo
Today · 4.125%
HK$265,261
baseline
▲ 0.50% · 4.625%
HK$281,402
+HK$16,141/mo
Deposit HK$6.08M · loan HK$54.73M · min. income ≈ HK$530,522/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,687
−HK$15,003/mo
▼ 0.25% · 3.875%
HK$285,135
−HK$7,555/mo
Today · 4.125%
HK$292,690
baseline
▲ 0.50% · 4.625%
HK$308,118
+HK$15,428/mo
Deposit HK$6.08M · loan HK$54.73M · min. income ≈ HK$585,380/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,584,596 · Scale 2, in force from 26 Feb 2026)