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$139,528
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,869
−HK$4,409/mo
Today · 4.125%
HK$148,278
baseline
▲ 0.50% · 4.625%
HK$157,301
+HK$9,023/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$296,556/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,224
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$159,387
−HK$4,223/mo
Today · 4.125%
HK$163,610
baseline
▲ 0.50% · 4.625%
HK$172,234
+HK$8,624/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$327,220/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,434
−HK$10,500/mo
▼ 0.25% · 3.875%
HK$172,642
−HK$5,292/mo
Today · 4.125%
HK$177,934
baseline
▲ 0.50% · 4.625%
HK$188,761
+HK$10,827/mo
Deposit HK$24.48M · loan HK$36.71M · min. income ≈ HK$355,868/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,269
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$191,264
−HK$5,068/mo
Today · 4.125%
HK$196,332
baseline
▲ 0.50% · 4.625%
HK$206,681
+HK$10,349/mo
Deposit HK$24.48M · loan HK$36.71M · min. income ≈ HK$392,664/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,340
−HK$12,249/mo
▼ 0.25% · 3.875%
HK$201,416
−HK$6,173/mo
Today · 4.125%
HK$207,589
baseline
▲ 0.50% · 4.625%
HK$220,221
+HK$12,632/mo
Deposit HK$18.36M · loan HK$42.83M · min. income ≈ HK$415,178/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,314
−HK$11,740/mo
▼ 0.25% · 3.875%
HK$223,142
−HK$5,912/mo
Today · 4.125%
HK$229,054
baseline
▲ 0.50% · 4.625%
HK$241,128
+HK$12,074/mo
Deposit HK$18.36M · loan HK$42.83M · min. income ≈ HK$458,108/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,151
−HK$15,750/mo
▼ 0.25% · 3.875%
HK$258,963
−HK$7,938/mo
Today · 4.125%
HK$266,901
baseline
▲ 0.50% · 4.625%
HK$283,141
+HK$16,240/mo
Deposit HK$6.12M · loan HK$55.07M · min. income ≈ HK$533,802/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,403
−HK$15,096/mo
▼ 0.25% · 3.875%
HK$286,897
−HK$7,602/mo
Today · 4.125%
HK$294,499
baseline
▲ 0.50% · 4.625%
HK$310,022
+HK$15,523/mo
Deposit HK$6.12M · loan HK$55.07M · min. income ≈ HK$588,998/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,568 · Scale 2, in force from 26 Feb 2026)