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$138,935
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,257
−HK$4,391/mo
Today · 4.125%
HK$147,648
baseline
▲ 0.50% · 4.625%
HK$156,632
+HK$8,984/mo
Deposit HK$30.46M · loan HK$30.46M · min. income ≈ HK$295,296/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,564
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,710
−HK$4,205/mo
Today · 4.125%
HK$162,915
baseline
▲ 0.50% · 4.625%
HK$171,502
+HK$8,587/mo
Deposit HK$30.46M · loan HK$30.46M · min. income ≈ HK$325,830/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,722
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$171,908
−HK$5,269/mo
Today · 4.125%
HK$177,177
baseline
▲ 0.50% · 4.625%
HK$187,958
+HK$10,781/mo
Deposit HK$24.37M · loan HK$36.56M · min. income ≈ HK$354,354/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,477
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$190,451
−HK$5,047/mo
Today · 4.125%
HK$195,498
baseline
▲ 0.50% · 4.625%
HK$205,803
+HK$10,305/mo
Deposit HK$24.37M · loan HK$36.56M · min. income ≈ HK$390,996/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,509
−HK$12,198/mo
▼ 0.25% · 3.875%
HK$200,560
−HK$6,147/mo
Today · 4.125%
HK$206,707
baseline
▲ 0.50% · 4.625%
HK$219,285
+HK$12,578/mo
Deposit HK$18.28M · loan HK$42.65M · min. income ≈ HK$413,414/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,390
−HK$11,691/mo
▼ 0.25% · 3.875%
HK$222,193
−HK$5,888/mo
Today · 4.125%
HK$228,081
baseline
▲ 0.50% · 4.625%
HK$240,103
+HK$12,022/mo
Deposit HK$18.28M · loan HK$42.65M · min. income ≈ HK$456,162/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,084
−HK$15,682/mo
▼ 0.25% · 3.875%
HK$257,863
−HK$7,903/mo
Today · 4.125%
HK$265,766
baseline
▲ 0.50% · 4.625%
HK$281,937
+HK$16,171/mo
Deposit HK$6.09M · loan HK$54.84M · min. income ≈ HK$531,532/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,216
−HK$15,031/mo
▼ 0.25% · 3.875%
HK$285,677
−HK$7,570/mo
Today · 4.125%
HK$293,247
baseline
▲ 0.50% · 4.625%
HK$308,704
+HK$15,457/mo
Deposit HK$6.09M · loan HK$54.84M · min. income ≈ HK$586,494/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,589,513 · Scale 2, in force from 26 Feb 2026)