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$140,186
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$144,547
−HK$4,430/mo
Today · 4.125%
HK$148,977
baseline
▲ 0.50% · 4.625%
HK$158,042
+HK$9,065/mo
Deposit HK$30.74M · loan HK$30.74M · min. income ≈ HK$297,954/mo (50% DSR)
Upfront cash ≈ HK$33.35M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,956
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$160,138
−HK$4,243/mo
Today · 4.125%
HK$164,381
baseline
▲ 0.50% · 4.625%
HK$173,046
+HK$8,665/mo
Deposit HK$30.74M · loan HK$30.74M · min. income ≈ HK$328,762/mo (50% DSR)
Upfront cash ≈ HK$33.35M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,223
−HK$10,549/mo
▼ 0.25% · 3.875%
HK$173,456
−HK$5,316/mo
Today · 4.125%
HK$178,772
baseline
▲ 0.50% · 4.625%
HK$189,650
+HK$10,878/mo
Deposit HK$24.59M · loan HK$36.89M · min. income ≈ HK$357,544/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,147
−HK$10,111/mo
▼ 0.25% · 3.875%
HK$192,166
−HK$5,092/mo
Today · 4.125%
HK$197,258
baseline
▲ 0.50% · 4.625%
HK$207,655
+HK$10,397/mo
Deposit HK$24.59M · loan HK$36.89M · min. income ≈ HK$394,516/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,260
−HK$12,308/mo
▼ 0.25% · 3.875%
HK$202,365
−HK$6,203/mo
Today · 4.125%
HK$208,568
baseline
▲ 0.50% · 4.625%
HK$221,259
+HK$12,691/mo
Deposit HK$18.44M · loan HK$43.03M · min. income ≈ HK$417,136/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,338
−HK$11,796/mo
▼ 0.25% · 3.875%
HK$224,193
−HK$5,941/mo
Today · 4.125%
HK$230,134
baseline
▲ 0.50% · 4.625%
HK$242,265
+HK$12,131/mo
Deposit HK$18.44M · loan HK$43.03M · min. income ≈ HK$460,268/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,335
−HK$15,823/mo
▼ 0.25% · 3.875%
HK$260,184
−HK$7,974/mo
Today · 4.125%
HK$268,158
baseline
▲ 0.50% · 4.625%
HK$284,475
+HK$16,317/mo
Deposit HK$6.15M · loan HK$55.33M · min. income ≈ HK$536,316/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,720
−HK$15,166/mo
▼ 0.25% · 3.875%
HK$288,249
−HK$7,637/mo
Today · 4.125%
HK$295,886
baseline
▲ 0.50% · 4.625%
HK$311,483
+HK$15,597/mo
Deposit HK$6.15M · loan HK$55.33M · min. income ≈ HK$591,772/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,612,823 · Scale 2, in force from 26 Feb 2026)