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$140,956
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$145,340
−HK$4,455/mo
Today · 4.125%
HK$149,795
baseline
▲ 0.50% · 4.625%
HK$158,909
+HK$9,114/mo
Deposit HK$30.91M · loan HK$30.91M · min. income ≈ HK$299,590/mo (50% DSR)
Upfront cash ≈ HK$33.54M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,812
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$161,017
−HK$4,267/mo
Today · 4.125%
HK$165,284
baseline
▲ 0.50% · 4.625%
HK$173,996
+HK$8,712/mo
Deposit HK$30.91M · loan HK$30.91M · min. income ≈ HK$330,568/mo (50% DSR)
Upfront cash ≈ HK$33.54M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,147
−HK$10,607/mo
▼ 0.25% · 3.875%
HK$174,408
−HK$5,346/mo
Today · 4.125%
HK$179,754
baseline
▲ 0.50% · 4.625%
HK$190,691
+HK$10,937/mo
Deposit HK$24.73M · loan HK$37.09M · min. income ≈ HK$359,508/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,174
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$193,221
−HK$5,120/mo
Today · 4.125%
HK$198,341
baseline
▲ 0.50% · 4.625%
HK$208,795
+HK$10,454/mo
Deposit HK$24.73M · loan HK$37.09M · min. income ≈ HK$396,682/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,338
−HK$12,375/mo
▼ 0.25% · 3.875%
HK$203,476
−HK$6,237/mo
Today · 4.125%
HK$209,713
baseline
▲ 0.50% · 4.625%
HK$222,473
+HK$12,760/mo
Deposit HK$18.54M · loan HK$43.27M · min. income ≈ HK$419,426/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,536
−HK$11,861/mo
▼ 0.25% · 3.875%
HK$225,424
−HK$5,973/mo
Today · 4.125%
HK$231,397
baseline
▲ 0.50% · 4.625%
HK$243,595
+HK$12,198/mo
Deposit HK$18.54M · loan HK$43.27M · min. income ≈ HK$462,794/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,720
−HK$15,911/mo
▼ 0.25% · 3.875%
HK$261,612
−HK$8,019/mo
Today · 4.125%
HK$269,631
baseline
▲ 0.50% · 4.625%
HK$286,037
+HK$16,406/mo
Deposit HK$6.18M · loan HK$55.63M · min. income ≈ HK$539,262/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,261
−HK$15,250/mo
▼ 0.25% · 3.875%
HK$289,831
−HK$7,680/mo
Today · 4.125%
HK$297,511
baseline
▲ 0.50% · 4.625%
HK$313,193
+HK$15,682/mo
Deposit HK$6.18M · loan HK$55.63M · min. income ≈ HK$595,022/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,627,167 · Scale 2, in force from 26 Feb 2026)