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$136,718
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$140,971
−HK$4,320/mo
Today · 4.125%
HK$145,291
baseline
▲ 0.50% · 4.625%
HK$154,132
+HK$8,841/mo
Deposit HK$29.98M · loan HK$29.98M · min. income ≈ HK$290,582/mo (50% DSR)
Upfront cash ≈ HK$32.53M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,097
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$156,177
−HK$4,138/mo
Today · 4.125%
HK$160,315
baseline
▲ 0.50% · 4.625%
HK$168,765
+HK$8,450/mo
Deposit HK$29.98M · loan HK$29.98M · min. income ≈ HK$320,630/mo (50% DSR)
Upfront cash ≈ HK$32.53M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,062
−HK$10,288/mo
▼ 0.25% · 3.875%
HK$169,165
−HK$5,185/mo
Today · 4.125%
HK$174,350
baseline
▲ 0.50% · 4.625%
HK$184,958
+HK$10,608/mo
Deposit HK$23.98M · loan HK$35.97M · min. income ≈ HK$348,700/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,517
−HK$9,861/mo
▼ 0.25% · 3.875%
HK$187,412
−HK$4,966/mo
Today · 4.125%
HK$192,378
baseline
▲ 0.50% · 4.625%
HK$202,518
+HK$10,140/mo
Deposit HK$23.98M · loan HK$35.97M · min. income ≈ HK$384,756/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,405
−HK$12,003/mo
▼ 0.25% · 3.875%
HK$197,359
−HK$6,049/mo
Today · 4.125%
HK$203,408
baseline
▲ 0.50% · 4.625%
HK$215,785
+HK$12,377/mo
Deposit HK$17.99M · loan HK$41.97M · min. income ≈ HK$406,816/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,936
−HK$11,505/mo
▼ 0.25% · 3.875%
HK$218,647
−HK$5,794/mo
Today · 4.125%
HK$224,441
baseline
▲ 0.50% · 4.625%
HK$236,271
+HK$11,830/mo
Deposit HK$17.99M · loan HK$41.97M · min. income ≈ HK$448,882/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,092
−HK$15,432/mo
▼ 0.25% · 3.875%
HK$253,747
−HK$7,777/mo
Today · 4.125%
HK$261,524
baseline
▲ 0.50% · 4.625%
HK$277,438
+HK$15,914/mo
Deposit HK$6.00M · loan HK$53.96M · min. income ≈ HK$523,048/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,775
−HK$14,791/mo
▼ 0.25% · 3.875%
HK$281,118
−HK$7,448/mo
Today · 4.125%
HK$288,566
baseline
▲ 0.50% · 4.625%
HK$303,777
+HK$15,211/mo
Deposit HK$6.00M · loan HK$53.96M · min. income ≈ HK$577,132/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,548,185 · Scale 2, in force from 26 Feb 2026)