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$139,597
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,939
−HK$4,412/mo
Today · 4.125%
HK$148,351
baseline
▲ 0.50% · 4.625%
HK$157,378
+HK$9,027/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$296,702/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,300
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,465
−HK$4,226/mo
Today · 4.125%
HK$163,691
baseline
▲ 0.50% · 4.625%
HK$172,319
+HK$8,628/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$327,382/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,516
−HK$10,505/mo
▼ 0.25% · 3.875%
HK$172,727
−HK$5,294/mo
Today · 4.125%
HK$178,021
baseline
▲ 0.50% · 4.625%
HK$188,853
+HK$10,832/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$356,042/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,360
−HK$10,069/mo
▼ 0.25% · 3.875%
HK$191,358
−HK$5,071/mo
Today · 4.125%
HK$196,429
baseline
▲ 0.50% · 4.625%
HK$206,783
+HK$10,354/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$392,858/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,436
−HK$12,255/mo
▼ 0.25% · 3.875%
HK$201,515
−HK$6,176/mo
Today · 4.125%
HK$207,691
baseline
▲ 0.50% · 4.625%
HK$220,329
+HK$12,638/mo
Deposit HK$18.37M · loan HK$42.85M · min. income ≈ HK$415,382/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,420
−HK$11,747/mo
▼ 0.25% · 3.875%
HK$223,251
−HK$5,916/mo
Today · 4.125%
HK$229,167
baseline
▲ 0.50% · 4.625%
HK$241,246
+HK$12,079/mo
Deposit HK$18.37M · loan HK$42.85M · min. income ≈ HK$458,334/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,274
−HK$15,758/mo
▼ 0.25% · 3.875%
HK$259,091
−HK$7,941/mo
Today · 4.125%
HK$267,032
baseline
▲ 0.50% · 4.625%
HK$283,280
+HK$16,248/mo
Deposit HK$6.12M · loan HK$55.10M · min. income ≈ HK$534,064/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,540
−HK$15,103/mo
▼ 0.25% · 3.875%
HK$287,037
−HK$7,606/mo
Today · 4.125%
HK$294,643
baseline
▲ 0.50% · 4.625%
HK$310,174
+HK$15,531/mo
Deposit HK$6.12M · loan HK$55.10M · min. income ≈ HK$589,286/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,843 · Scale 2, in force from 26 Feb 2026)