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$140,390
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$144,757
−HK$4,437/mo
Today · 4.125%
HK$149,194
baseline
▲ 0.50% · 4.625%
HK$158,272
+HK$9,078/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$298,388/mo (50% DSR)
Upfront cash ≈ HK$33.40M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,182
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$160,371
−HK$4,249/mo
Today · 4.125%
HK$164,620
baseline
▲ 0.50% · 4.625%
HK$173,298
+HK$8,678/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$329,240/mo (50% DSR)
Upfront cash ≈ HK$33.40M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,468
−HK$10,564/mo
▼ 0.25% · 3.875%
HK$173,708
−HK$5,324/mo
Today · 4.125%
HK$179,032
baseline
▲ 0.50% · 4.625%
HK$189,926
+HK$10,894/mo
Deposit HK$24.63M · loan HK$36.94M · min. income ≈ HK$358,064/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,419
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$192,445
−HK$5,099/mo
Today · 4.125%
HK$197,544
baseline
▲ 0.50% · 4.625%
HK$207,957
+HK$10,413/mo
Deposit HK$24.63M · loan HK$36.94M · min. income ≈ HK$395,088/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,546
−HK$12,325/mo
▼ 0.25% · 3.875%
HK$202,659
−HK$6,212/mo
Today · 4.125%
HK$208,871
baseline
▲ 0.50% · 4.625%
HK$221,580
+HK$12,709/mo
Deposit HK$18.47M · loan HK$43.10M · min. income ≈ HK$417,742/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,655
−HK$11,813/mo
▼ 0.25% · 3.875%
HK$224,519
−HK$5,949/mo
Today · 4.125%
HK$230,468
baseline
▲ 0.50% · 4.625%
HK$242,617
+HK$12,149/mo
Deposit HK$18.47M · loan HK$43.10M · min. income ≈ HK$460,936/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,702
−HK$15,846/mo
▼ 0.25% · 3.875%
HK$260,562
−HK$7,986/mo
Today · 4.125%
HK$268,548
baseline
▲ 0.50% · 4.625%
HK$284,889
+HK$16,341/mo
Deposit HK$6.16M · loan HK$55.41M · min. income ≈ HK$537,096/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,128
−HK$15,189/mo
▼ 0.25% · 3.875%
HK$288,668
−HK$7,649/mo
Today · 4.125%
HK$296,317
baseline
▲ 0.50% · 4.625%
HK$311,936
+HK$15,619/mo
Deposit HK$6.16M · loan HK$55.41M · min. income ≈ HK$592,634/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,616,622 · Scale 2, in force from 26 Feb 2026)