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$139,540
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,881
−HK$4,409/mo
Today · 4.125%
HK$148,290
baseline
▲ 0.50% · 4.625%
HK$157,314
+HK$9,024/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$296,580/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,237
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,400
−HK$4,224/mo
Today · 4.125%
HK$163,624
baseline
▲ 0.50% · 4.625%
HK$172,249
+HK$8,625/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$327,248/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,448
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$172,657
−HK$5,292/mo
Today · 4.125%
HK$177,949
baseline
▲ 0.50% · 4.625%
HK$188,776
+HK$10,827/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$355,898/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,284
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$191,280
−HK$5,069/mo
Today · 4.125%
HK$196,349
baseline
▲ 0.50% · 4.625%
HK$206,698
+HK$10,349/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$392,698/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,356
−HK$12,251/mo
▼ 0.25% · 3.875%
HK$201,433
−HK$6,174/mo
Today · 4.125%
HK$207,607
baseline
▲ 0.50% · 4.625%
HK$220,239
+HK$12,632/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$415,214/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,332
−HK$11,741/mo
▼ 0.25% · 3.875%
HK$223,160
−HK$5,913/mo
Today · 4.125%
HK$229,073
baseline
▲ 0.50% · 4.625%
HK$241,148
+HK$12,075/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$458,146/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,172
−HK$15,751/mo
▼ 0.25% · 3.875%
HK$258,985
−HK$7,938/mo
Today · 4.125%
HK$266,923
baseline
▲ 0.50% · 4.625%
HK$283,164
+HK$16,241/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$533,846/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,426
−HK$15,097/mo
▼ 0.25% · 3.875%
HK$286,920
−HK$7,603/mo
Today · 4.125%
HK$294,523
baseline
▲ 0.50% · 4.625%
HK$310,048
+HK$15,525/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$589,046/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,783 · Scale 2, in force from 26 Feb 2026)