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$139,365
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$143,700
−HK$4,404/mo
Today · 4.125%
HK$148,104
baseline
▲ 0.50% · 4.625%
HK$157,116
+HK$9,012/mo
Deposit HK$30.56M · loan HK$30.56M · min. income ≈ HK$296,208/mo (50% DSR)
Upfront cash ≈ HK$33.16M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,042
−HK$8,376/mo
▼ 0.25% · 3.875%
HK$159,200
−HK$4,218/mo
Today · 4.125%
HK$163,418
baseline
▲ 0.50% · 4.625%
HK$172,032
+HK$8,614/mo
Deposit HK$30.56M · loan HK$30.56M · min. income ≈ HK$326,836/mo (50% DSR)
Upfront cash ≈ HK$33.16M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,237
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$172,439
−HK$5,286/mo
Today · 4.125%
HK$177,725
baseline
▲ 0.50% · 4.625%
HK$188,539
+HK$10,814/mo
Deposit HK$24.45M · loan HK$36.67M · min. income ≈ HK$355,450/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,050
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$191,040
−HK$5,062/mo
Today · 4.125%
HK$196,102
baseline
▲ 0.50% · 4.625%
HK$206,438
+HK$10,336/mo
Deposit HK$24.45M · loan HK$36.67M · min. income ≈ HK$392,204/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,110
−HK$12,235/mo
▼ 0.25% · 3.875%
HK$201,179
−HK$6,166/mo
Today · 4.125%
HK$207,345
baseline
▲ 0.50% · 4.625%
HK$219,962
+HK$12,617/mo
Deposit HK$18.34M · loan HK$42.78M · min. income ≈ HK$414,690/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,058
−HK$11,727/mo
▼ 0.25% · 3.875%
HK$222,880
−HK$5,905/mo
Today · 4.125%
HK$228,785
baseline
▲ 0.50% · 4.625%
HK$240,845
+HK$12,060/mo
Deposit HK$18.34M · loan HK$42.78M · min. income ≈ HK$457,570/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,856
−HK$15,731/mo
▼ 0.25% · 3.875%
HK$258,659
−HK$7,928/mo
Today · 4.125%
HK$266,587
baseline
▲ 0.50% · 4.625%
HK$282,808
+HK$16,221/mo
Deposit HK$6.11M · loan HK$55.01M · min. income ≈ HK$533,174/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,075
−HK$15,077/mo
▼ 0.25% · 3.875%
HK$286,560
−HK$7,592/mo
Today · 4.125%
HK$294,152
baseline
▲ 0.50% · 4.625%
HK$309,658
+HK$15,506/mo
Deposit HK$6.11M · loan HK$55.01M · min. income ≈ HK$588,304/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,597,512 · Scale 2, in force from 26 Feb 2026)