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$137,439
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$141,714
−HK$4,343/mo
Today · 4.125%
HK$146,057
baseline
▲ 0.50% · 4.625%
HK$154,944
+HK$8,887/mo
Deposit HK$30.14M · loan HK$30.14M · min. income ≈ HK$292,114/mo (50% DSR)
Upfront cash ≈ HK$32.70M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,899
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$157,000
−HK$4,160/mo
Today · 4.125%
HK$161,160
baseline
▲ 0.50% · 4.625%
HK$169,655
+HK$8,495/mo
Deposit HK$30.14M · loan HK$30.14M · min. income ≈ HK$322,320/mo (50% DSR)
Upfront cash ≈ HK$32.70M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,926
−HK$10,343/mo
▼ 0.25% · 3.875%
HK$170,056
−HK$5,213/mo
Today · 4.125%
HK$175,269
baseline
▲ 0.50% · 4.625%
HK$185,933
+HK$10,664/mo
Deposit HK$24.11M · loan HK$36.16M · min. income ≈ HK$350,538/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,479
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$188,400
−HK$4,992/mo
Today · 4.125%
HK$193,392
baseline
▲ 0.50% · 4.625%
HK$203,586
+HK$10,194/mo
Deposit HK$24.11M · loan HK$36.16M · min. income ≈ HK$386,784/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,414
−HK$12,066/mo
▼ 0.25% · 3.875%
HK$198,399
−HK$6,081/mo
Today · 4.125%
HK$204,480
baseline
▲ 0.50% · 4.625%
HK$216,922
+HK$12,442/mo
Deposit HK$18.08M · loan HK$42.19M · min. income ≈ HK$408,960/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,059
−HK$11,565/mo
▼ 0.25% · 3.875%
HK$219,800
−HK$5,824/mo
Today · 4.125%
HK$225,624
baseline
▲ 0.50% · 4.625%
HK$237,516
+HK$11,892/mo
Deposit HK$18.08M · loan HK$42.19M · min. income ≈ HK$451,248/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,389
−HK$15,514/mo
▼ 0.25% · 3.875%
HK$255,085
−HK$7,818/mo
Today · 4.125%
HK$262,903
baseline
▲ 0.50% · 4.625%
HK$278,900
+HK$15,997/mo
Deposit HK$6.03M · loan HK$54.25M · min. income ≈ HK$525,806/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,218
−HK$14,869/mo
▼ 0.25% · 3.875%
HK$282,599
−HK$7,488/mo
Today · 4.125%
HK$290,087
baseline
▲ 0.50% · 4.625%
HK$305,378
+HK$15,291/mo
Deposit HK$6.03M · loan HK$54.25M · min. income ≈ HK$580,174/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,561,615 · Scale 2, in force from 26 Feb 2026)