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$138,914
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$143,235
−HK$4,390/mo
Today · 4.125%
HK$147,625
baseline
▲ 0.50% · 4.625%
HK$156,608
+HK$8,983/mo
Deposit HK$30.46M · loan HK$30.46M · min. income ≈ HK$295,250/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,540
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,685
−HK$4,205/mo
Today · 4.125%
HK$162,890
baseline
▲ 0.50% · 4.625%
HK$171,476
+HK$8,586/mo
Deposit HK$30.46M · loan HK$30.46M · min. income ≈ HK$325,780/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,697
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$171,882
−HK$5,268/mo
Today · 4.125%
HK$177,150
baseline
▲ 0.50% · 4.625%
HK$187,929
+HK$10,779/mo
Deposit HK$24.37M · loan HK$36.55M · min. income ≈ HK$354,300/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,449
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$190,422
−HK$5,046/mo
Today · 4.125%
HK$195,468
baseline
▲ 0.50% · 4.625%
HK$205,771
+HK$10,303/mo
Deposit HK$24.37M · loan HK$36.55M · min. income ≈ HK$390,936/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,480
−HK$12,195/mo
▼ 0.25% · 3.875%
HK$200,529
−HK$6,146/mo
Today · 4.125%
HK$206,675
baseline
▲ 0.50% · 4.625%
HK$219,251
+HK$12,576/mo
Deposit HK$18.28M · loan HK$42.64M · min. income ≈ HK$413,350/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,357
−HK$11,689/mo
▼ 0.25% · 3.875%
HK$222,159
−HK$5,887/mo
Today · 4.125%
HK$228,046
baseline
▲ 0.50% · 4.625%
HK$240,066
+HK$12,020/mo
Deposit HK$18.28M · loan HK$42.64M · min. income ≈ HK$456,092/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,045
−HK$15,680/mo
▼ 0.25% · 3.875%
HK$257,823
−HK$7,902/mo
Today · 4.125%
HK$265,725
baseline
▲ 0.50% · 4.625%
HK$281,894
+HK$16,169/mo
Deposit HK$6.09M · loan HK$54.83M · min. income ≈ HK$531,450/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,173
−HK$15,029/mo
▼ 0.25% · 3.875%
HK$285,633
−HK$7,569/mo
Today · 4.125%
HK$293,202
baseline
▲ 0.50% · 4.625%
HK$308,657
+HK$15,455/mo
Deposit HK$6.09M · loan HK$54.83M · min. income ≈ HK$586,404/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,589,115 · Scale 2, in force from 26 Feb 2026)