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$137,971
−HK$8,652/mo
▼ 0.25% · 3.875%
HK$142,263
−HK$4,360/mo
Today · 4.125%
HK$146,623
baseline
▲ 0.50% · 4.625%
HK$155,545
+HK$8,922/mo
Deposit HK$30.25M · loan HK$30.25M · min. income ≈ HK$293,246/mo (50% DSR)
Upfront cash ≈ HK$32.82M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,492
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$157,608
−HK$4,176/mo
Today · 4.125%
HK$161,784
baseline
▲ 0.50% · 4.625%
HK$170,312
+HK$8,528/mo
Deposit HK$30.25M · loan HK$30.25M · min. income ≈ HK$323,568/mo (50% DSR)
Upfront cash ≈ HK$32.82M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,565
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$170,715
−HK$5,233/mo
Today · 4.125%
HK$175,948
baseline
▲ 0.50% · 4.625%
HK$186,654
+HK$10,706/mo
Deposit HK$24.20M · loan HK$36.30M · min. income ≈ HK$351,896/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,190
−HK$9,951/mo
▼ 0.25% · 3.875%
HK$189,130
−HK$5,011/mo
Today · 4.125%
HK$194,141
baseline
▲ 0.50% · 4.625%
HK$204,374
+HK$10,233/mo
Deposit HK$24.20M · loan HK$36.30M · min. income ≈ HK$388,282/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,160
−HK$12,112/mo
▼ 0.25% · 3.875%
HK$199,168
−HK$6,104/mo
Today · 4.125%
HK$205,272
baseline
▲ 0.50% · 4.625%
HK$217,763
+HK$12,491/mo
Deposit HK$18.15M · loan HK$42.35M · min. income ≈ HK$410,544/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,888
−HK$11,610/mo
▼ 0.25% · 3.875%
HK$220,651
−HK$5,847/mo
Today · 4.125%
HK$226,498
baseline
▲ 0.50% · 4.625%
HK$238,437
+HK$11,939/mo
Deposit HK$18.15M · loan HK$42.35M · min. income ≈ HK$452,996/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,348
−HK$15,574/mo
▼ 0.25% · 3.875%
HK$256,073
−HK$7,849/mo
Today · 4.125%
HK$263,922
baseline
▲ 0.50% · 4.625%
HK$279,981
+HK$16,059/mo
Deposit HK$6.05M · loan HK$54.46M · min. income ≈ HK$527,844/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,285
−HK$14,927/mo
▼ 0.25% · 3.875%
HK$283,695
−HK$7,517/mo
Today · 4.125%
HK$291,212
baseline
▲ 0.50% · 4.625%
HK$306,562
+HK$15,350/mo
Deposit HK$6.05M · loan HK$54.46M · min. income ≈ HK$582,424/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,571,542 · Scale 2, in force from 26 Feb 2026)