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$137,919
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,209
−HK$4,359/mo
Today · 4.125%
HK$146,568
baseline
▲ 0.50% · 4.625%
HK$155,486
+HK$8,918/mo
Deposit HK$30.24M · loan HK$30.24M · min. income ≈ HK$293,136/mo (50% DSR)
Upfront cash ≈ HK$32.81M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,433
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,548
−HK$4,175/mo
Today · 4.125%
HK$161,723
baseline
▲ 0.50% · 4.625%
HK$170,248
+HK$8,525/mo
Deposit HK$30.24M · loan HK$30.24M · min. income ≈ HK$323,446/mo (50% DSR)
Upfront cash ≈ HK$32.81M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,503
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$170,651
−HK$5,230/mo
Today · 4.125%
HK$175,881
baseline
▲ 0.50% · 4.625%
HK$186,583
+HK$10,702/mo
Deposit HK$24.19M · loan HK$36.29M · min. income ≈ HK$351,762/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,120
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$189,058
−HK$5,009/mo
Today · 4.125%
HK$194,067
baseline
▲ 0.50% · 4.625%
HK$204,297
+HK$10,230/mo
Deposit HK$24.19M · loan HK$36.29M · min. income ≈ HK$388,134/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,086
−HK$12,109/mo
▼ 0.25% · 3.875%
HK$199,092
−HK$6,103/mo
Today · 4.125%
HK$205,195
baseline
▲ 0.50% · 4.625%
HK$217,680
+HK$12,485/mo
Deposit HK$18.15M · loan HK$42.34M · min. income ≈ HK$410,390/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,807
−HK$11,605/mo
▼ 0.25% · 3.875%
HK$220,568
−HK$5,844/mo
Today · 4.125%
HK$226,412
baseline
▲ 0.50% · 4.625%
HK$238,347
+HK$11,935/mo
Deposit HK$18.15M · loan HK$42.34M · min. income ≈ HK$452,824/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,254
−HK$15,568/mo
▼ 0.25% · 3.875%
HK$255,976
−HK$7,846/mo
Today · 4.125%
HK$263,822
baseline
▲ 0.50% · 4.625%
HK$279,875
+HK$16,053/mo
Deposit HK$6.05M · loan HK$54.44M · min. income ≈ HK$527,644/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,180
−HK$14,921/mo
▼ 0.25% · 3.875%
HK$283,587
−HK$7,514/mo
Today · 4.125%
HK$291,101
baseline
▲ 0.50% · 4.625%
HK$306,446
+HK$15,345/mo
Deposit HK$6.05M · loan HK$54.44M · min. income ≈ HK$582,202/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,570,567 · Scale 2, in force from 26 Feb 2026)