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$140,751
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$145,129
−HK$4,448/mo
Today · 4.125%
HK$149,577
baseline
▲ 0.50% · 4.625%
HK$158,679
+HK$9,102/mo
Deposit HK$30.86M · loan HK$30.86M · min. income ≈ HK$299,154/mo (50% DSR)
Upfront cash ≈ HK$33.49M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,584
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$160,783
−HK$4,261/mo
Today · 4.125%
HK$165,044
baseline
▲ 0.50% · 4.625%
HK$173,743
+HK$8,699/mo
Deposit HK$30.86M · loan HK$30.86M · min. income ≈ HK$330,088/mo (50% DSR)
Upfront cash ≈ HK$33.49M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,901
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$174,155
−HK$5,338/mo
Today · 4.125%
HK$179,493
baseline
▲ 0.50% · 4.625%
HK$190,414
+HK$10,921/mo
Deposit HK$24.69M · loan HK$37.04M · min. income ≈ HK$358,986/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,901
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$192,940
−HK$5,112/mo
Today · 4.125%
HK$198,052
baseline
▲ 0.50% · 4.625%
HK$208,492
+HK$10,440/mo
Deposit HK$24.69M · loan HK$37.04M · min. income ≈ HK$396,104/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,051
−HK$12,357/mo
▼ 0.25% · 3.875%
HK$203,181
−HK$6,227/mo
Today · 4.125%
HK$209,408
baseline
▲ 0.50% · 4.625%
HK$222,150
+HK$12,742/mo
Deposit HK$18.52M · loan HK$43.21M · min. income ≈ HK$418,816/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,218
−HK$11,843/mo
▼ 0.25% · 3.875%
HK$225,097
−HK$5,964/mo
Today · 4.125%
HK$231,061
baseline
▲ 0.50% · 4.625%
HK$243,241
+HK$12,180/mo
Deposit HK$18.52M · loan HK$43.21M · min. income ≈ HK$462,122/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,352
−HK$15,887/mo
▼ 0.25% · 3.875%
HK$261,232
−HK$8,007/mo
Today · 4.125%
HK$269,239
baseline
▲ 0.50% · 4.625%
HK$285,622
+HK$16,383/mo
Deposit HK$6.17M · loan HK$55.55M · min. income ≈ HK$538,478/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,851
−HK$15,228/mo
▼ 0.25% · 3.875%
HK$289,410
−HK$7,669/mo
Today · 4.125%
HK$297,079
baseline
▲ 0.50% · 4.625%
HK$312,738
+HK$15,659/mo
Deposit HK$6.17M · loan HK$55.55M · min. income ≈ HK$594,158/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$2,623,351 · Scale 2, in force from 26 Feb 2026)