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$137,225
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,494
−HK$4,337/mo
Today · 4.125%
HK$145,831
baseline
▲ 0.50% · 4.625%
HK$154,704
+HK$8,873/mo
Deposit HK$30.09M · loan HK$30.09M · min. income ≈ HK$291,662/mo (50% DSR)
Upfront cash ≈ HK$32.65M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,662
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,756
−HK$4,154/mo
Today · 4.125%
HK$160,910
baseline
▲ 0.50% · 4.625%
HK$169,392
+HK$8,482/mo
Deposit HK$30.09M · loan HK$30.09M · min. income ≈ HK$321,820/mo (50% DSR)
Upfront cash ≈ HK$32.65M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,671
−HK$10,326/mo
▼ 0.25% · 3.875%
HK$169,793
−HK$5,204/mo
Today · 4.125%
HK$174,997
baseline
▲ 0.50% · 4.625%
HK$185,645
+HK$10,648/mo
Deposit HK$24.07M · loan HK$36.11M · min. income ≈ HK$349,994/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,194
−HK$9,898/mo
▼ 0.25% · 3.875%
HK$188,108
−HK$4,984/mo
Today · 4.125%
HK$193,092
baseline
▲ 0.50% · 4.625%
HK$203,270
+HK$10,178/mo
Deposit HK$24.07M · loan HK$36.11M · min. income ≈ HK$386,184/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,116
−HK$12,047/mo
▼ 0.25% · 3.875%
HK$198,092
−HK$6,071/mo
Today · 4.125%
HK$204,163
baseline
▲ 0.50% · 4.625%
HK$216,586
+HK$12,423/mo
Deposit HK$18.05M · loan HK$42.13M · min. income ≈ HK$408,326/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,727
−HK$11,547/mo
▼ 0.25% · 3.875%
HK$219,459
−HK$5,815/mo
Today · 4.125%
HK$225,274
baseline
▲ 0.50% · 4.625%
HK$237,148
+HK$11,874/mo
Deposit HK$18.05M · loan HK$42.13M · min. income ≈ HK$450,548/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,006
−HK$15,489/mo
▼ 0.25% · 3.875%
HK$254,689
−HK$7,806/mo
Today · 4.125%
HK$262,495
baseline
▲ 0.50% · 4.625%
HK$278,468
+HK$15,973/mo
Deposit HK$6.02M · loan HK$54.16M · min. income ≈ HK$524,990/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,792
−HK$14,846/mo
▼ 0.25% · 3.875%
HK$282,161
−HK$7,477/mo
Today · 4.125%
HK$289,638
baseline
▲ 0.50% · 4.625%
HK$304,905
+HK$15,267/mo
Deposit HK$6.02M · loan HK$54.16M · min. income ≈ HK$579,276/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$2,557,644 · Scale 2, in force from 26 Feb 2026)