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$138,178
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,477
−HK$4,366/mo
Today · 4.125%
HK$146,843
baseline
▲ 0.50% · 4.625%
HK$155,778
+HK$8,935/mo
Deposit HK$30.30M · loan HK$30.30M · min. income ≈ HK$293,686/mo (50% DSR)
Upfront cash ≈ HK$32.87M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,722
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,845
−HK$4,182/mo
Today · 4.125%
HK$162,027
baseline
▲ 0.50% · 4.625%
HK$170,568
+HK$8,541/mo
Deposit HK$30.30M · loan HK$30.30M · min. income ≈ HK$324,054/mo (50% DSR)
Upfront cash ≈ HK$32.87M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,814
−HK$10,398/mo
▼ 0.25% · 3.875%
HK$170,972
−HK$5,240/mo
Today · 4.125%
HK$176,212
baseline
▲ 0.50% · 4.625%
HK$186,934
+HK$10,722/mo
Deposit HK$24.24M · loan HK$36.36M · min. income ≈ HK$352,424/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,467
−HK$9,966/mo
▼ 0.25% · 3.875%
HK$189,414
−HK$5,019/mo
Today · 4.125%
HK$194,433
baseline
▲ 0.50% · 4.625%
HK$204,681
+HK$10,248/mo
Deposit HK$24.24M · loan HK$36.36M · min. income ≈ HK$388,866/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,450
−HK$12,131/mo
▼ 0.25% · 3.875%
HK$199,467
−HK$6,114/mo
Today · 4.125%
HK$205,581
baseline
▲ 0.50% · 4.625%
HK$218,090
+HK$12,509/mo
Deposit HK$18.18M · loan HK$42.42M · min. income ≈ HK$411,162/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,211
−HK$11,627/mo
▼ 0.25% · 3.875%
HK$220,983
−HK$5,855/mo
Today · 4.125%
HK$226,838
baseline
▲ 0.50% · 4.625%
HK$238,795
+HK$11,957/mo
Deposit HK$18.18M · loan HK$42.42M · min. income ≈ HK$453,676/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,721
−HK$15,597/mo
▼ 0.25% · 3.875%
HK$256,458
−HK$7,860/mo
Today · 4.125%
HK$264,318
baseline
▲ 0.50% · 4.625%
HK$280,401
+HK$16,083/mo
Deposit HK$6.06M · loan HK$54.54M · min. income ≈ HK$528,636/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,700
−HK$14,949/mo
▼ 0.25% · 3.875%
HK$284,121
−HK$7,528/mo
Today · 4.125%
HK$291,649
baseline
▲ 0.50% · 4.625%
HK$307,022
+HK$15,373/mo
Deposit HK$6.06M · loan HK$54.54M · min. income ≈ HK$583,298/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$2,575,405 · Scale 2, in force from 26 Feb 2026)