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$137,734
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$142,018
−HK$4,353/mo
Today · 4.125%
HK$146,371
baseline
▲ 0.50% · 4.625%
HK$155,277
+HK$8,906/mo
Deposit HK$30.20M · loan HK$30.20M · min. income ≈ HK$292,742/mo (50% DSR)
Upfront cash ≈ HK$32.77M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,227
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$157,337
−HK$4,169/mo
Today · 4.125%
HK$161,506
baseline
▲ 0.50% · 4.625%
HK$170,019
+HK$8,513/mo
Deposit HK$30.20M · loan HK$30.20M · min. income ≈ HK$323,012/mo (50% DSR)
Upfront cash ≈ HK$32.77M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,280
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$170,421
−HK$5,224/mo
Today · 4.125%
HK$175,645
baseline
▲ 0.50% · 4.625%
HK$186,332
+HK$10,687/mo
Deposit HK$24.16M · loan HK$36.24M · min. income ≈ HK$351,290/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,873
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$188,804
−HK$5,003/mo
Today · 4.125%
HK$193,807
baseline
▲ 0.50% · 4.625%
HK$204,023
+HK$10,216/mo
Deposit HK$24.16M · loan HK$36.24M · min. income ≈ HK$387,614/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,827
−HK$12,092/mo
▼ 0.25% · 3.875%
HK$198,825
−HK$6,094/mo
Today · 4.125%
HK$204,919
baseline
▲ 0.50% · 4.625%
HK$217,388
+HK$12,469/mo
Deposit HK$18.12M · loan HK$42.28M · min. income ≈ HK$409,838/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,518
−HK$11,590/mo
▼ 0.25% · 3.875%
HK$220,271
−HK$5,837/mo
Today · 4.125%
HK$226,108
baseline
▲ 0.50% · 4.625%
HK$238,026
+HK$11,918/mo
Deposit HK$18.12M · loan HK$42.28M · min. income ≈ HK$452,216/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,920
−HK$15,547/mo
▼ 0.25% · 3.875%
HK$255,632
−HK$7,835/mo
Today · 4.125%
HK$263,467
baseline
▲ 0.50% · 4.625%
HK$279,499
+HK$16,032/mo
Deposit HK$6.04M · loan HK$54.36M · min. income ≈ HK$526,934/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,809
−HK$14,901/mo
▼ 0.25% · 3.875%
HK$283,206
−HK$7,504/mo
Today · 4.125%
HK$290,710
baseline
▲ 0.50% · 4.625%
HK$306,034
+HK$15,324/mo
Deposit HK$6.04M · loan HK$54.36M · min. income ≈ HK$581,420/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,567,114 · Scale 2, in force from 26 Feb 2026)