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$140,354
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$144,720
−HK$4,435/mo
Today · 4.125%
HK$149,155
baseline
▲ 0.50% · 4.625%
HK$158,231
+HK$9,076/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$298,310/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,142
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,330
−HK$4,248/mo
Today · 4.125%
HK$164,578
baseline
▲ 0.50% · 4.625%
HK$173,253
+HK$8,675/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$329,156/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,425
−HK$10,561/mo
▼ 0.25% · 3.875%
HK$173,664
−HK$5,322/mo
Today · 4.125%
HK$178,986
baseline
▲ 0.50% · 4.625%
HK$189,877
+HK$10,891/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$357,972/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,371
−HK$10,123/mo
▼ 0.25% · 3.875%
HK$192,396
−HK$5,098/mo
Today · 4.125%
HK$197,494
baseline
▲ 0.50% · 4.625%
HK$207,904
+HK$10,410/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$394,988/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,495
−HK$12,322/mo
▼ 0.25% · 3.875%
HK$202,607
−HK$6,210/mo
Today · 4.125%
HK$208,817
baseline
▲ 0.50% · 4.625%
HK$221,523
+HK$12,706/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$417,634/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,599
−HK$11,810/mo
▼ 0.25% · 3.875%
HK$224,462
−HK$5,947/mo
Today · 4.125%
HK$230,409
baseline
▲ 0.50% · 4.625%
HK$242,555
+HK$12,146/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$460,818/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,637
−HK$15,842/mo
▼ 0.25% · 3.875%
HK$260,495
−HK$7,984/mo
Today · 4.125%
HK$268,479
baseline
▲ 0.50% · 4.625%
HK$284,816
+HK$16,337/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$536,958/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,056
−HK$15,185/mo
▼ 0.25% · 3.875%
HK$288,594
−HK$7,647/mo
Today · 4.125%
HK$296,241
baseline
▲ 0.50% · 4.625%
HK$311,856
+HK$15,615/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$592,482/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,951 · Scale 2, in force from 26 Feb 2026)