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$138,470
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,777
−HK$4,376/mo
Today · 4.125%
HK$147,153
baseline
▲ 0.50% · 4.625%
HK$156,107
+HK$8,954/mo
Deposit HK$30.36M · loan HK$30.36M · min. income ≈ HK$294,306/mo (50% DSR)
Upfront cash ≈ HK$32.94M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,046
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,178
−HK$4,191/mo
Today · 4.125%
HK$162,369
baseline
▲ 0.50% · 4.625%
HK$170,928
+HK$8,559/mo
Deposit HK$30.36M · loan HK$30.36M · min. income ≈ HK$324,738/mo (50% DSR)
Upfront cash ≈ HK$32.94M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,164
−HK$10,420/mo
▼ 0.25% · 3.875%
HK$171,332
−HK$5,252/mo
Today · 4.125%
HK$176,584
baseline
▲ 0.50% · 4.625%
HK$187,328
+HK$10,744/mo
Deposit HK$24.29M · loan HK$36.44M · min. income ≈ HK$353,168/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,855
−HK$9,988/mo
▼ 0.25% · 3.875%
HK$189,813
−HK$5,030/mo
Today · 4.125%
HK$194,843
baseline
▲ 0.50% · 4.625%
HK$205,113
+HK$10,270/mo
Deposit HK$24.29M · loan HK$36.44M · min. income ≈ HK$389,686/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,858
−HK$12,156/mo
▼ 0.25% · 3.875%
HK$199,888
−HK$6,126/mo
Today · 4.125%
HK$206,014
baseline
▲ 0.50% · 4.625%
HK$218,550
+HK$12,536/mo
Deposit HK$18.22M · loan HK$42.51M · min. income ≈ HK$412,028/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,665
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$221,449
−HK$5,867/mo
Today · 4.125%
HK$227,316
baseline
▲ 0.50% · 4.625%
HK$239,299
+HK$11,983/mo
Deposit HK$18.22M · loan HK$42.51M · min. income ≈ HK$454,632/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,246
−HK$15,629/mo
▼ 0.25% · 3.875%
HK$256,999
−HK$7,876/mo
Today · 4.125%
HK$264,875
baseline
▲ 0.50% · 4.625%
HK$280,992
+HK$16,117/mo
Deposit HK$6.07M · loan HK$54.65M · min. income ≈ HK$529,750/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,283
−HK$14,981/mo
▼ 0.25% · 3.875%
HK$284,720
−HK$7,544/mo
Today · 4.125%
HK$292,264
baseline
▲ 0.50% · 4.625%
HK$307,670
+HK$15,406/mo
Deposit HK$6.07M · loan HK$54.65M · min. income ≈ HK$584,528/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$2,580,835 · Scale 2, in force from 26 Feb 2026)