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$141,009
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$145,395
−HK$4,456/mo
Today · 4.125%
HK$149,851
baseline
▲ 0.50% · 4.625%
HK$158,969
+HK$9,118/mo
Deposit HK$30.92M · loan HK$30.92M · min. income ≈ HK$299,702/mo (50% DSR)
Upfront cash ≈ HK$33.55M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,871
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$161,078
−HK$4,268/mo
Today · 4.125%
HK$165,346
baseline
▲ 0.50% · 4.625%
HK$174,062
+HK$8,716/mo
Deposit HK$30.92M · loan HK$30.92M · min. income ≈ HK$330,692/mo (50% DSR)
Upfront cash ≈ HK$33.55M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,211
−HK$10,611/mo
▼ 0.25% · 3.875%
HK$174,474
−HK$5,348/mo
Today · 4.125%
HK$179,822
baseline
▲ 0.50% · 4.625%
HK$190,763
+HK$10,941/mo
Deposit HK$24.74M · loan HK$37.10M · min. income ≈ HK$359,644/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,245
−HK$10,170/mo
▼ 0.25% · 3.875%
HK$193,294
−HK$5,121/mo
Today · 4.125%
HK$198,415
baseline
▲ 0.50% · 4.625%
HK$208,874
+HK$10,459/mo
Deposit HK$24.74M · loan HK$37.10M · min. income ≈ HK$396,830/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,412
−HK$12,380/mo
▼ 0.25% · 3.875%
HK$203,553
−HK$6,239/mo
Today · 4.125%
HK$209,792
baseline
▲ 0.50% · 4.625%
HK$222,557
+HK$12,765/mo
Deposit HK$18.55M · loan HK$43.29M · min. income ≈ HK$419,584/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,619
−HK$11,866/mo
▼ 0.25% · 3.875%
HK$225,509
−HK$5,976/mo
Today · 4.125%
HK$231,485
baseline
▲ 0.50% · 4.625%
HK$243,686
+HK$12,201/mo
Deposit HK$18.55M · loan HK$43.29M · min. income ≈ HK$462,970/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,816
−HK$15,916/mo
▼ 0.25% · 3.875%
HK$261,711
−HK$8,021/mo
Today · 4.125%
HK$269,732
baseline
▲ 0.50% · 4.625%
HK$286,145
+HK$16,413/mo
Deposit HK$6.18M · loan HK$55.66M · min. income ≈ HK$539,464/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,368
−HK$15,255/mo
▼ 0.25% · 3.875%
HK$289,941
−HK$7,682/mo
Today · 4.125%
HK$297,623
baseline
▲ 0.50% · 4.625%
HK$313,311
+HK$15,688/mo
Deposit HK$6.18M · loan HK$55.66M · min. income ≈ HK$595,246/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,628,159 · Scale 2, in force from 26 Feb 2026)