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$139,058
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,383
−HK$4,395/mo
Today · 4.125%
HK$147,778
baseline
▲ 0.50% · 4.625%
HK$156,770
+HK$8,992/mo
Deposit HK$30.49M · loan HK$30.49M · min. income ≈ HK$295,556/mo (50% DSR)
Upfront cash ≈ HK$33.08M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,701
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,850
−HK$4,209/mo
Today · 4.125%
HK$163,059
baseline
▲ 0.50% · 4.625%
HK$171,654
+HK$8,595/mo
Deposit HK$30.49M · loan HK$30.49M · min. income ≈ HK$326,118/mo (50% DSR)
Upfront cash ≈ HK$33.08M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,870
−HK$10,464/mo
▼ 0.25% · 3.875%
HK$172,060
−HK$5,274/mo
Today · 4.125%
HK$177,334
baseline
▲ 0.50% · 4.625%
HK$188,124
+HK$10,790/mo
Deposit HK$24.39M · loan HK$36.59M · min. income ≈ HK$354,668/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,641
−HK$10,029/mo
▼ 0.25% · 3.875%
HK$190,620
−HK$5,050/mo
Today · 4.125%
HK$195,670
baseline
▲ 0.50% · 4.625%
HK$205,984
+HK$10,314/mo
Deposit HK$24.39M · loan HK$36.59M · min. income ≈ HK$391,340/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,681
−HK$12,208/mo
▼ 0.25% · 3.875%
HK$200,737
−HK$6,152/mo
Today · 4.125%
HK$206,889
baseline
▲ 0.50% · 4.625%
HK$219,478
+HK$12,589/mo
Deposit HK$18.30M · loan HK$42.69M · min. income ≈ HK$413,778/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,581
−HK$11,701/mo
▼ 0.25% · 3.875%
HK$222,389
−HK$5,893/mo
Today · 4.125%
HK$228,282
baseline
▲ 0.50% · 4.625%
HK$240,315
+HK$12,033/mo
Deposit HK$18.30M · loan HK$42.69M · min. income ≈ HK$456,564/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,304
−HK$15,697/mo
▼ 0.25% · 3.875%
HK$258,090
−HK$7,911/mo
Today · 4.125%
HK$266,001
baseline
▲ 0.50% · 4.625%
HK$282,186
+HK$16,185/mo
Deposit HK$6.10M · loan HK$54.89M · min. income ≈ HK$532,002/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,461
−HK$15,044/mo
▼ 0.25% · 3.875%
HK$285,929
−HK$7,576/mo
Today · 4.125%
HK$293,505
baseline
▲ 0.50% · 4.625%
HK$308,977
+HK$15,472/mo
Deposit HK$6.10M · loan HK$54.89M · min. income ≈ HK$587,010/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,591,799 · Scale 2, in force from 26 Feb 2026)