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$134,541
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$138,726
−HK$4,252/mo
Today · 4.125%
HK$142,978
baseline
▲ 0.50% · 4.625%
HK$151,678
+HK$8,700/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$285,956/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,676
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$153,690
−HK$4,072/mo
Today · 4.125%
HK$157,762
baseline
▲ 0.50% · 4.625%
HK$166,078
+HK$8,316/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$315,524/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,449
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$166,471
−HK$5,103/mo
Today · 4.125%
HK$171,574
baseline
▲ 0.50% · 4.625%
HK$182,013
+HK$10,439/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$343,148/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,611
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,428
−HK$4,886/mo
Today · 4.125%
HK$189,314
baseline
▲ 0.50% · 4.625%
HK$199,294
+HK$9,980/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$378,628/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,357
−HK$11,812/mo
▼ 0.25% · 3.875%
HK$194,216
−HK$5,953/mo
Today · 4.125%
HK$200,169
baseline
▲ 0.50% · 4.625%
HK$212,349
+HK$12,180/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$400,338/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,546
−HK$11,321/mo
▼ 0.25% · 3.875%
HK$215,166
−HK$5,701/mo
Today · 4.125%
HK$220,867
baseline
▲ 0.50% · 4.625%
HK$232,509
+HK$11,642/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$441,734/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,174
−HK$15,186/mo
▼ 0.25% · 3.875%
HK$249,707
−HK$7,653/mo
Today · 4.125%
HK$257,360
baseline
▲ 0.50% · 4.625%
HK$273,020
+HK$15,660/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$514,720/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,416
−HK$14,556/mo
▼ 0.25% · 3.875%
HK$276,642
−HK$7,330/mo
Today · 4.125%
HK$283,972
baseline
▲ 0.50% · 4.625%
HK$298,940
+HK$14,968/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$567,944/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,611 · Scale 2, in force from 26 Feb 2026)