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$140,597
−HK$8,817/mo
▼ 0.25% · 3.875%
HK$144,971
−HK$4,443/mo
Today · 4.125%
HK$149,414
baseline
▲ 0.50% · 4.625%
HK$158,506
+HK$9,092/mo
Deposit HK$30.83M · loan HK$30.83M · min. income ≈ HK$298,828/mo (50% DSR)
Upfront cash ≈ HK$33.45M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,413
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$160,608
−HK$4,256/mo
Today · 4.125%
HK$164,864
baseline
▲ 0.50% · 4.625%
HK$173,554
+HK$8,690/mo
Deposit HK$30.83M · loan HK$30.83M · min. income ≈ HK$329,728/mo (50% DSR)
Upfront cash ≈ HK$33.45M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,717
−HK$10,580/mo
▼ 0.25% · 3.875%
HK$173,965
−HK$5,332/mo
Today · 4.125%
HK$179,297
baseline
▲ 0.50% · 4.625%
HK$190,207
+HK$10,910/mo
Deposit HK$24.66M · loan HK$37.00M · min. income ≈ HK$358,594/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,696
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$192,730
−HK$5,106/mo
Today · 4.125%
HK$197,836
baseline
▲ 0.50% · 4.625%
HK$208,265
+HK$10,429/mo
Deposit HK$24.66M · loan HK$37.00M · min. income ≈ HK$395,672/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,836
−HK$12,344/mo
▼ 0.25% · 3.875%
HK$202,959
−HK$6,221/mo
Today · 4.125%
HK$209,180
baseline
▲ 0.50% · 4.625%
HK$221,908
+HK$12,728/mo
Deposit HK$18.50M · loan HK$43.16M · min. income ≈ HK$418,360/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,978
−HK$11,831/mo
▼ 0.25% · 3.875%
HK$224,851
−HK$5,958/mo
Today · 4.125%
HK$230,809
baseline
▲ 0.50% · 4.625%
HK$242,975
+HK$12,166/mo
Deposit HK$18.50M · loan HK$43.16M · min. income ≈ HK$461,618/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,075
−HK$15,870/mo
▼ 0.25% · 3.875%
HK$260,947
−HK$7,998/mo
Today · 4.125%
HK$268,945
baseline
▲ 0.50% · 4.625%
HK$285,310
+HK$16,365/mo
Deposit HK$6.17M · loan HK$55.49M · min. income ≈ HK$537,890/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,544
−HK$15,211/mo
▼ 0.25% · 3.875%
HK$289,095
−HK$7,660/mo
Today · 4.125%
HK$296,755
baseline
▲ 0.50% · 4.625%
HK$312,397
+HK$15,642/mo
Deposit HK$6.17M · loan HK$55.49M · min. income ≈ HK$593,510/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,620,491 · Scale 2, in force from 26 Feb 2026)