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$138,986
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,309
−HK$4,392/mo
Today · 4.125%
HK$147,701
baseline
▲ 0.50% · 4.625%
HK$156,689
+HK$8,988/mo
Deposit HK$30.48M · loan HK$30.48M · min. income ≈ HK$295,402/mo (50% DSR)
Upfront cash ≈ HK$33.07M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,620
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$158,767
−HK$4,207/mo
Today · 4.125%
HK$162,974
baseline
▲ 0.50% · 4.625%
HK$171,565
+HK$8,591/mo
Deposit HK$30.48M · loan HK$30.48M · min. income ≈ HK$325,948/mo (50% DSR)
Upfront cash ≈ HK$33.07M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,783
−HK$10,459/mo
▼ 0.25% · 3.875%
HK$171,971
−HK$5,271/mo
Today · 4.125%
HK$177,242
baseline
▲ 0.50% · 4.625%
HK$188,027
+HK$10,785/mo
Deposit HK$24.38M · loan HK$36.57M · min. income ≈ HK$354,484/mo (50% DSR)
Upfront cash ≈ HK$26.97M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,544
−HK$10,025/mo
▼ 0.25% · 3.875%
HK$190,521
−HK$5,048/mo
Today · 4.125%
HK$195,569
baseline
▲ 0.50% · 4.625%
HK$205,878
+HK$10,309/mo
Deposit HK$24.38M · loan HK$36.57M · min. income ≈ HK$391,138/mo (50% DSR)
Upfront cash ≈ HK$26.97M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,580
−HK$12,202/mo
▼ 0.25% · 3.875%
HK$200,633
−HK$6,149/mo
Today · 4.125%
HK$206,782
baseline
▲ 0.50% · 4.625%
HK$219,364
+HK$12,582/mo
Deposit HK$18.29M · loan HK$42.67M · min. income ≈ HK$413,564/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,469
−HK$11,695/mo
▼ 0.25% · 3.875%
HK$222,274
−HK$5,890/mo
Today · 4.125%
HK$228,164
baseline
▲ 0.50% · 4.625%
HK$240,190
+HK$12,026/mo
Deposit HK$18.29M · loan HK$42.67M · min. income ≈ HK$456,328/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,175
−HK$15,688/mo
▼ 0.25% · 3.875%
HK$257,956
−HK$7,907/mo
Today · 4.125%
HK$265,863
baseline
▲ 0.50% · 4.625%
HK$282,040
+HK$16,177/mo
Deposit HK$6.10M · loan HK$54.86M · min. income ≈ HK$531,726/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,317
−HK$15,036/mo
▼ 0.25% · 3.875%
HK$285,781
−HK$7,572/mo
Today · 4.125%
HK$293,353
baseline
▲ 0.50% · 4.625%
HK$308,816
+HK$15,463/mo
Deposit HK$6.10M · loan HK$54.86M · min. income ≈ HK$586,706/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,590,454 · Scale 2, in force from 26 Feb 2026)