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$139,148
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$143,476
−HK$4,398/mo
Today · 4.125%
HK$147,874
baseline
▲ 0.50% · 4.625%
HK$156,872
+HK$8,998/mo
Deposit HK$30.51M · loan HK$30.51M · min. income ≈ HK$295,748/mo (50% DSR)
Upfront cash ≈ HK$33.10M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,801
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,952
−HK$4,212/mo
Today · 4.125%
HK$163,164
baseline
▲ 0.50% · 4.625%
HK$171,765
+HK$8,601/mo
Deposit HK$30.51M · loan HK$30.51M · min. income ≈ HK$326,328/mo (50% DSR)
Upfront cash ≈ HK$33.10M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,978
−HK$10,471/mo
▼ 0.25% · 3.875%
HK$172,172
−HK$5,277/mo
Today · 4.125%
HK$177,449
baseline
▲ 0.50% · 4.625%
HK$188,246
+HK$10,797/mo
Deposit HK$24.41M · loan HK$36.61M · min. income ≈ HK$354,898/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,761
−HK$10,036/mo
▼ 0.25% · 3.875%
HK$190,743
−HK$5,054/mo
Today · 4.125%
HK$195,797
baseline
▲ 0.50% · 4.625%
HK$206,118
+HK$10,321/mo
Deposit HK$24.41M · loan HK$36.61M · min. income ≈ HK$391,594/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,807
−HK$12,216/mo
▼ 0.25% · 3.875%
HK$200,867
−HK$6,156/mo
Today · 4.125%
HK$207,023
baseline
▲ 0.50% · 4.625%
HK$219,620
+HK$12,597/mo
Deposit HK$18.31M · loan HK$42.72M · min. income ≈ HK$414,046/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,721
−HK$11,709/mo
▼ 0.25% · 3.875%
HK$222,533
−HK$5,897/mo
Today · 4.125%
HK$228,430
baseline
▲ 0.50% · 4.625%
HK$240,471
+HK$12,041/mo
Deposit HK$18.31M · loan HK$42.72M · min. income ≈ HK$456,860/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,466
−HK$15,707/mo
▼ 0.25% · 3.875%
HK$258,257
−HK$7,916/mo
Today · 4.125%
HK$266,173
baseline
▲ 0.50% · 4.625%
HK$282,369
+HK$16,196/mo
Deposit HK$6.10M · loan HK$54.92M · min. income ≈ HK$532,346/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,641
−HK$15,055/mo
▼ 0.25% · 3.875%
HK$286,114
−HK$7,582/mo
Today · 4.125%
HK$293,696
baseline
▲ 0.50% · 4.625%
HK$309,177
+HK$15,481/mo
Deposit HK$6.10M · loan HK$54.92M · min. income ≈ HK$587,392/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$2,593,476 · Scale 2, in force from 26 Feb 2026)