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$136,796
−HK$8,578/mo
▼ 0.25% · 3.875%
HK$141,051
−HK$4,323/mo
Today · 4.125%
HK$145,374
baseline
▲ 0.50% · 4.625%
HK$154,220
+HK$8,846/mo
Deposit HK$30.00M · loan HK$30.00M · min. income ≈ HK$290,748/mo (50% DSR)
Upfront cash ≈ HK$32.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,184
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$156,266
−HK$4,140/mo
Today · 4.125%
HK$160,406
baseline
▲ 0.50% · 4.625%
HK$168,862
+HK$8,456/mo
Deposit HK$30.00M · loan HK$30.00M · min. income ≈ HK$320,812/mo (50% DSR)
Upfront cash ≈ HK$32.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,155
−HK$10,294/mo
▼ 0.25% · 3.875%
HK$169,262
−HK$5,187/mo
Today · 4.125%
HK$174,449
baseline
▲ 0.50% · 4.625%
HK$185,064
+HK$10,615/mo
Deposit HK$24.00M · loan HK$35.99M · min. income ≈ HK$348,898/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,621
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$187,519
−HK$4,969/mo
Today · 4.125%
HK$192,488
baseline
▲ 0.50% · 4.625%
HK$202,634
+HK$10,146/mo
Deposit HK$24.00M · loan HK$35.99M · min. income ≈ HK$384,976/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,515
−HK$12,009/mo
▼ 0.25% · 3.875%
HK$197,472
−HK$6,052/mo
Today · 4.125%
HK$203,524
baseline
▲ 0.50% · 4.625%
HK$215,908
+HK$12,384/mo
Deposit HK$18.00M · loan HK$41.99M · min. income ≈ HK$407,048/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,058
−HK$11,511/mo
▼ 0.25% · 3.875%
HK$218,772
−HK$5,797/mo
Today · 4.125%
HK$224,569
baseline
▲ 0.50% · 4.625%
HK$236,406
+HK$11,837/mo
Deposit HK$18.00M · loan HK$41.99M · min. income ≈ HK$449,138/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,233
−HK$15,441/mo
▼ 0.25% · 3.875%
HK$253,892
−HK$7,782/mo
Today · 4.125%
HK$261,674
baseline
▲ 0.50% · 4.625%
HK$277,596
+HK$15,922/mo
Deposit HK$6.00M · loan HK$53.99M · min. income ≈ HK$523,348/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,932
−HK$14,800/mo
▼ 0.25% · 3.875%
HK$281,279
−HK$7,453/mo
Today · 4.125%
HK$288,732
baseline
▲ 0.50% · 4.625%
HK$303,951
+HK$15,219/mo
Deposit HK$6.00M · loan HK$53.99M · min. income ≈ HK$577,464/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,549,642 · Scale 2, in force from 26 Feb 2026)