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$137,091
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$141,355
−HK$4,333/mo
Today · 4.125%
HK$145,688
baseline
▲ 0.50% · 4.625%
HK$154,552
+HK$8,864/mo
Deposit HK$30.06M · loan HK$30.06M · min. income ≈ HK$291,376/mo (50% DSR)
Upfront cash ≈ HK$32.62M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,512
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$156,603
−HK$4,149/mo
Today · 4.125%
HK$160,752
baseline
▲ 0.50% · 4.625%
HK$169,226
+HK$8,474/mo
Deposit HK$30.06M · loan HK$30.06M · min. income ≈ HK$321,504/mo (50% DSR)
Upfront cash ≈ HK$32.62M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,509
−HK$10,316/mo
▼ 0.25% · 3.875%
HK$169,626
−HK$5,199/mo
Today · 4.125%
HK$174,825
baseline
▲ 0.50% · 4.625%
HK$185,463
+HK$10,638/mo
Deposit HK$24.05M · loan HK$36.07M · min. income ≈ HK$349,650/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,015
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$187,923
−HK$4,979/mo
Today · 4.125%
HK$192,902
baseline
▲ 0.50% · 4.625%
HK$203,071
+HK$10,169/mo
Deposit HK$24.05M · loan HK$36.07M · min. income ≈ HK$385,804/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,927
−HK$12,036/mo
▼ 0.25% · 3.875%
HK$197,897
−HK$6,066/mo
Today · 4.125%
HK$203,963
baseline
▲ 0.50% · 4.625%
HK$216,373
+HK$12,410/mo
Deposit HK$18.04M · loan HK$42.08M · min. income ≈ HK$407,926/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,517
−HK$11,536/mo
▼ 0.25% · 3.875%
HK$219,244
−HK$5,809/mo
Today · 4.125%
HK$225,053
baseline
▲ 0.50% · 4.625%
HK$236,916
+HK$11,863/mo
Deposit HK$18.04M · loan HK$42.08M · min. income ≈ HK$450,106/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,764
−HK$15,474/mo
▼ 0.25% · 3.875%
HK$254,439
−HK$7,799/mo
Today · 4.125%
HK$262,238
baseline
▲ 0.50% · 4.625%
HK$278,194
+HK$15,956/mo
Deposit HK$6.01M · loan HK$54.11M · min. income ≈ HK$524,476/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,522
−HK$14,832/mo
▼ 0.25% · 3.875%
HK$281,885
−HK$7,469/mo
Today · 4.125%
HK$289,354
baseline
▲ 0.50% · 4.625%
HK$304,606
+HK$15,252/mo
Deposit HK$6.01M · loan HK$54.11M · min. income ≈ HK$578,708/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$2,555,136 · Scale 2, in force from 26 Feb 2026)