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$137,107
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,372
−HK$4,333/mo
Today · 4.125%
HK$145,705
baseline
▲ 0.50% · 4.625%
HK$154,571
+HK$8,866/mo
Deposit HK$30.06M · loan HK$30.06M · min. income ≈ HK$291,410/mo (50% DSR)
Upfront cash ≈ HK$32.62M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,531
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$156,621
−HK$4,150/mo
Today · 4.125%
HK$160,771
baseline
▲ 0.50% · 4.625%
HK$169,246
+HK$8,475/mo
Deposit HK$30.06M · loan HK$30.06M · min. income ≈ HK$321,542/mo (50% DSR)
Upfront cash ≈ HK$32.62M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,529
−HK$10,317/mo
▼ 0.25% · 3.875%
HK$169,647
−HK$5,199/mo
Today · 4.125%
HK$174,846
baseline
▲ 0.50% · 4.625%
HK$185,485
+HK$10,639/mo
Deposit HK$24.05M · loan HK$36.08M · min. income ≈ HK$349,692/mo (50% DSR)
Upfront cash ≈ HK$26.61M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,037
−HK$9,889/mo
▼ 0.25% · 3.875%
HK$187,946
−HK$4,980/mo
Today · 4.125%
HK$192,926
baseline
▲ 0.50% · 4.625%
HK$203,095
+HK$10,169/mo
Deposit HK$24.05M · loan HK$36.08M · min. income ≈ HK$385,852/mo (50% DSR)
Upfront cash ≈ HK$26.61M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,950
−HK$12,037/mo
▼ 0.25% · 3.875%
HK$197,921
−HK$6,066/mo
Today · 4.125%
HK$203,987
baseline
▲ 0.50% · 4.625%
HK$216,399
+HK$12,412/mo
Deposit HK$18.04M · loan HK$42.09M · min. income ≈ HK$407,974/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,543
−HK$11,537/mo
▼ 0.25% · 3.875%
HK$219,270
−HK$5,810/mo
Today · 4.125%
HK$225,080
baseline
▲ 0.50% · 4.625%
HK$236,944
+HK$11,864/mo
Deposit HK$18.04M · loan HK$42.09M · min. income ≈ HK$450,160/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,793
−HK$15,476/mo
▼ 0.25% · 3.875%
HK$254,470
−HK$7,799/mo
Today · 4.125%
HK$262,269
baseline
▲ 0.50% · 4.625%
HK$278,228
+HK$15,959/mo
Deposit HK$6.01M · loan HK$54.12M · min. income ≈ HK$524,538/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,555
−HK$14,833/mo
▼ 0.25% · 3.875%
HK$281,918
−HK$7,470/mo
Today · 4.125%
HK$289,388
baseline
▲ 0.50% · 4.625%
HK$304,642
+HK$15,254/mo
Deposit HK$6.01M · loan HK$54.12M · min. income ≈ HK$578,776/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$2,555,442 · Scale 2, in force from 26 Feb 2026)