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$136,915
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$141,173
−HK$4,327/mo
Today · 4.125%
HK$145,500
baseline
▲ 0.50% · 4.625%
HK$154,354
+HK$8,854/mo
Deposit HK$30.02M · loan HK$30.02M · min. income ≈ HK$291,000/mo (50% DSR)
Upfront cash ≈ HK$32.57M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,316
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$156,401
−HK$4,144/mo
Today · 4.125%
HK$160,545
baseline
▲ 0.50% · 4.625%
HK$169,008
+HK$8,463/mo
Deposit HK$30.02M · loan HK$30.02M · min. income ≈ HK$321,090/mo (50% DSR)
Upfront cash ≈ HK$32.57M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,297
−HK$10,303/mo
▼ 0.25% · 3.875%
HK$169,408
−HK$5,192/mo
Today · 4.125%
HK$174,600
baseline
▲ 0.50% · 4.625%
HK$185,224
+HK$10,624/mo
Deposit HK$24.02M · loan HK$36.03M · min. income ≈ HK$349,200/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,779
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$187,681
−HK$4,973/mo
Today · 4.125%
HK$192,654
baseline
▲ 0.50% · 4.625%
HK$202,809
+HK$10,155/mo
Deposit HK$24.02M · loan HK$36.03M · min. income ≈ HK$385,308/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,680
−HK$12,020/mo
▼ 0.25% · 3.875%
HK$197,643
−HK$6,057/mo
Today · 4.125%
HK$203,700
baseline
▲ 0.50% · 4.625%
HK$216,095
+HK$12,395/mo
Deposit HK$18.01M · loan HK$42.03M · min. income ≈ HK$407,400/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,242
−HK$11,521/mo
▼ 0.25% · 3.875%
HK$218,962
−HK$5,801/mo
Today · 4.125%
HK$224,763
baseline
▲ 0.50% · 4.625%
HK$236,611
+HK$11,848/mo
Deposit HK$18.01M · loan HK$42.03M · min. income ≈ HK$449,526/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,446
−HK$15,454/mo
▼ 0.25% · 3.875%
HK$254,112
−HK$7,788/mo
Today · 4.125%
HK$261,900
baseline
▲ 0.50% · 4.625%
HK$277,837
+HK$15,937/mo
Deposit HK$6.00M · loan HK$54.04M · min. income ≈ HK$523,800/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,169
−HK$14,812/mo
▼ 0.25% · 3.875%
HK$281,522
−HK$7,459/mo
Today · 4.125%
HK$288,981
baseline
▲ 0.50% · 4.625%
HK$304,214
+HK$15,233/mo
Deposit HK$6.00M · loan HK$54.04M · min. income ≈ HK$577,962/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$2,551,848 · Scale 2, in force from 26 Feb 2026)