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$139,069
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$143,395
−HK$4,395/mo
Today · 4.125%
HK$147,790
baseline
▲ 0.50% · 4.625%
HK$156,782
+HK$8,992/mo
Deposit HK$30.49M · loan HK$30.49M · min. income ≈ HK$295,580/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,713
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,862
−HK$4,209/mo
Today · 4.125%
HK$163,071
baseline
▲ 0.50% · 4.625%
HK$171,667
+HK$8,596/mo
Deposit HK$30.49M · loan HK$30.49M · min. income ≈ HK$326,142/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,883
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$172,074
−HK$5,274/mo
Today · 4.125%
HK$177,348
baseline
▲ 0.50% · 4.625%
HK$188,139
+HK$10,791/mo
Deposit HK$24.40M · loan HK$36.59M · min. income ≈ HK$354,696/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,655
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$190,634
−HK$5,052/mo
Today · 4.125%
HK$195,686
baseline
▲ 0.50% · 4.625%
HK$206,000
+HK$10,314/mo
Deposit HK$24.40M · loan HK$36.59M · min. income ≈ HK$391,372/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,696
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,752
−HK$6,154/mo
Today · 4.125%
HK$206,906
baseline
▲ 0.50% · 4.625%
HK$219,495
+HK$12,589/mo
Deposit HK$18.30M · loan HK$42.69M · min. income ≈ HK$413,812/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,598
−HK$11,702/mo
▼ 0.25% · 3.875%
HK$222,407
−HK$5,893/mo
Today · 4.125%
HK$228,300
baseline
▲ 0.50% · 4.625%
HK$240,334
+HK$12,034/mo
Deposit HK$18.30M · loan HK$42.69M · min. income ≈ HK$456,600/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,324
−HK$15,697/mo
▼ 0.25% · 3.875%
HK$258,110
−HK$7,911/mo
Today · 4.125%
HK$266,021
baseline
▲ 0.50% · 4.625%
HK$282,208
+HK$16,187/mo
Deposit HK$6.10M · loan HK$54.89M · min. income ≈ HK$532,042/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,483
−HK$15,045/mo
▼ 0.25% · 3.875%
HK$285,952
−HK$7,576/mo
Today · 4.125%
HK$293,528
baseline
▲ 0.50% · 4.625%
HK$309,001
+HK$15,473/mo
Deposit HK$6.10M · loan HK$54.89M · min. income ≈ HK$587,056/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,592,000 · Scale 2, in force from 26 Feb 2026)