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$139,333
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$143,667
−HK$4,403/mo
Today · 4.125%
HK$148,070
baseline
▲ 0.50% · 4.625%
HK$157,080
+HK$9,010/mo
Deposit HK$30.55M · loan HK$30.55M · min. income ≈ HK$296,140/mo (50% DSR)
Upfront cash ≈ HK$33.15M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,006
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$159,163
−HK$4,218/mo
Today · 4.125%
HK$163,381
baseline
▲ 0.50% · 4.625%
HK$171,993
+HK$8,612/mo
Deposit HK$30.55M · loan HK$30.55M · min. income ≈ HK$326,762/mo (50% DSR)
Upfront cash ≈ HK$33.15M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,199
−HK$10,485/mo
▼ 0.25% · 3.875%
HK$172,400
−HK$5,284/mo
Today · 4.125%
HK$177,684
baseline
▲ 0.50% · 4.625%
HK$188,496
+HK$10,812/mo
Deposit HK$24.44M · loan HK$36.66M · min. income ≈ HK$355,368/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,007
−HK$10,050/mo
▼ 0.25% · 3.875%
HK$190,996
−HK$5,061/mo
Today · 4.125%
HK$196,057
baseline
▲ 0.50% · 4.625%
HK$206,391
+HK$10,334/mo
Deposit HK$24.44M · loan HK$36.66M · min. income ≈ HK$392,114/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,066
−HK$12,232/mo
▼ 0.25% · 3.875%
HK$201,133
−HK$6,165/mo
Today · 4.125%
HK$207,298
baseline
▲ 0.50% · 4.625%
HK$219,912
+HK$12,614/mo
Deposit HK$18.33M · loan HK$42.77M · min. income ≈ HK$414,596/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,009
−HK$11,724/mo
▼ 0.25% · 3.875%
HK$222,829
−HK$5,904/mo
Today · 4.125%
HK$228,733
baseline
▲ 0.50% · 4.625%
HK$240,790
+HK$12,057/mo
Deposit HK$18.33M · loan HK$42.77M · min. income ≈ HK$457,466/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,799
−HK$15,727/mo
▼ 0.25% · 3.875%
HK$258,600
−HK$7,926/mo
Today · 4.125%
HK$266,526
baseline
▲ 0.50% · 4.625%
HK$282,744
+HK$16,218/mo
Deposit HK$6.11M · loan HK$54.99M · min. income ≈ HK$533,052/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,011
−HK$15,074/mo
▼ 0.25% · 3.875%
HK$286,494
−HK$7,591/mo
Today · 4.125%
HK$294,085
baseline
▲ 0.50% · 4.625%
HK$309,587
+HK$15,502/mo
Deposit HK$6.11M · loan HK$54.99M · min. income ≈ HK$588,170/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,596,918 · Scale 2, in force from 26 Feb 2026)