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$141,114
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$145,504
−HK$4,459/mo
Today · 4.125%
HK$149,963
baseline
▲ 0.50% · 4.625%
HK$159,088
+HK$9,125/mo
Deposit HK$30.94M · loan HK$30.94M · min. income ≈ HK$299,926/mo (50% DSR)
Upfront cash ≈ HK$33.57M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,988
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$161,199
−HK$4,271/mo
Today · 4.125%
HK$165,470
baseline
▲ 0.50% · 4.625%
HK$174,192
+HK$8,722/mo
Deposit HK$30.94M · loan HK$30.94M · min. income ≈ HK$330,940/mo (50% DSR)
Upfront cash ≈ HK$33.57M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,337
−HK$10,619/mo
▼ 0.25% · 3.875%
HK$174,605
−HK$5,351/mo
Today · 4.125%
HK$179,956
baseline
▲ 0.50% · 4.625%
HK$190,906
+HK$10,950/mo
Deposit HK$24.75M · loan HK$37.13M · min. income ≈ HK$359,912/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,386
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$193,438
−HK$5,126/mo
Today · 4.125%
HK$198,564
baseline
▲ 0.50% · 4.625%
HK$209,030
+HK$10,466/mo
Deposit HK$24.75M · loan HK$37.13M · min. income ≈ HK$397,128/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,560
−HK$12,389/mo
▼ 0.25% · 3.875%
HK$203,705
−HK$6,244/mo
Today · 4.125%
HK$209,949
baseline
▲ 0.50% · 4.625%
HK$222,724
+HK$12,775/mo
Deposit HK$18.57M · loan HK$43.32M · min. income ≈ HK$419,898/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,784
−HK$11,874/mo
▼ 0.25% · 3.875%
HK$225,678
−HK$5,980/mo
Today · 4.125%
HK$231,658
baseline
▲ 0.50% · 4.625%
HK$243,869
+HK$12,211/mo
Deposit HK$18.57M · loan HK$43.32M · min. income ≈ HK$463,316/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,006
−HK$15,928/mo
▼ 0.25% · 3.875%
HK$261,907
−HK$8,027/mo
Today · 4.125%
HK$269,934
baseline
▲ 0.50% · 4.625%
HK$286,359
+HK$16,425/mo
Deposit HK$6.19M · loan HK$55.70M · min. income ≈ HK$539,868/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,579
−HK$15,267/mo
▼ 0.25% · 3.875%
HK$290,157
−HK$7,689/mo
Today · 4.125%
HK$297,846
baseline
▲ 0.50% · 4.625%
HK$313,546
+HK$15,700/mo
Deposit HK$6.19M · loan HK$55.70M · min. income ≈ HK$595,692/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$2,630,125 · Scale 2, in force from 26 Feb 2026)