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$137,859
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$142,147
−HK$4,357/mo
Today · 4.125%
HK$146,504
baseline
▲ 0.50% · 4.625%
HK$155,418
+HK$8,914/mo
Deposit HK$30.23M · loan HK$30.23M · min. income ≈ HK$293,008/mo (50% DSR)
Upfront cash ≈ HK$32.80M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,367
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$157,480
−HK$4,172/mo
Today · 4.125%
HK$161,652
baseline
▲ 0.50% · 4.625%
HK$170,173
+HK$8,521/mo
Deposit HK$30.23M · loan HK$30.23M · min. income ≈ HK$323,304/mo (50% DSR)
Upfront cash ≈ HK$32.80M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,431
−HK$10,373/mo
▼ 0.25% · 3.875%
HK$170,576
−HK$5,228/mo
Today · 4.125%
HK$175,804
baseline
▲ 0.50% · 4.625%
HK$186,502
+HK$10,698/mo
Deposit HK$24.18M · loan HK$36.27M · min. income ≈ HK$351,608/mo (50% DSR)
Upfront cash ≈ HK$26.75M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,040
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$188,976
−HK$5,007/mo
Today · 4.125%
HK$193,983
baseline
▲ 0.50% · 4.625%
HK$204,208
+HK$10,225/mo
Deposit HK$24.18M · loan HK$36.27M · min. income ≈ HK$387,966/mo (50% DSR)
Upfront cash ≈ HK$26.75M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,002
−HK$12,103/mo
▼ 0.25% · 3.875%
HK$199,006
−HK$6,099/mo
Today · 4.125%
HK$205,105
baseline
▲ 0.50% · 4.625%
HK$217,585
+HK$12,480/mo
Deposit HK$18.14M · loan HK$42.32M · min. income ≈ HK$410,210/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,713
−HK$11,600/mo
▼ 0.25% · 3.875%
HK$220,472
−HK$5,841/mo
Today · 4.125%
HK$226,313
baseline
▲ 0.50% · 4.625%
HK$238,243
+HK$11,930/mo
Deposit HK$18.14M · loan HK$42.32M · min. income ≈ HK$452,626/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,146
−HK$15,561/mo
▼ 0.25% · 3.875%
HK$255,865
−HK$7,842/mo
Today · 4.125%
HK$263,707
baseline
▲ 0.50% · 4.625%
HK$279,753
+HK$16,046/mo
Deposit HK$6.05M · loan HK$54.41M · min. income ≈ HK$527,414/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,060
−HK$14,914/mo
▼ 0.25% · 3.875%
HK$283,464
−HK$7,510/mo
Today · 4.125%
HK$290,974
baseline
▲ 0.50% · 4.625%
HK$306,312
+HK$15,338/mo
Deposit HK$6.05M · loan HK$54.41M · min. income ≈ HK$581,948/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,569,448 · Scale 2, in force from 26 Feb 2026)