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$137,549
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,827
−HK$4,347/mo
Today · 4.125%
HK$146,174
baseline
▲ 0.50% · 4.625%
HK$155,069
+HK$8,895/mo
Deposit HK$30.16M · loan HK$30.16M · min. income ≈ HK$292,348/mo (50% DSR)
Upfront cash ≈ HK$32.72M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,022
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,126
−HK$4,163/mo
Today · 4.125%
HK$161,289
baseline
▲ 0.50% · 4.625%
HK$169,791
+HK$8,502/mo
Deposit HK$30.16M · loan HK$30.16M · min. income ≈ HK$322,578/mo (50% DSR)
Upfront cash ≈ HK$32.72M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,059
−HK$10,350/mo
▼ 0.25% · 3.875%
HK$170,193
−HK$5,216/mo
Today · 4.125%
HK$175,409
baseline
▲ 0.50% · 4.625%
HK$186,083
+HK$10,674/mo
Deposit HK$24.13M · loan HK$36.19M · min. income ≈ HK$350,818/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,626
−HK$9,921/mo
▼ 0.25% · 3.875%
HK$188,551
−HK$4,996/mo
Today · 4.125%
HK$193,547
baseline
▲ 0.50% · 4.625%
HK$203,749
+HK$10,202/mo
Deposit HK$24.13M · loan HK$36.19M · min. income ≈ HK$387,094/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,568
−HK$12,076/mo
▼ 0.25% · 3.875%
HK$198,558
−HK$6,086/mo
Today · 4.125%
HK$204,644
baseline
▲ 0.50% · 4.625%
HK$217,096
+HK$12,452/mo
Deposit HK$18.10M · loan HK$42.23M · min. income ≈ HK$409,288/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,230
−HK$11,575/mo
▼ 0.25% · 3.875%
HK$219,976
−HK$5,829/mo
Today · 4.125%
HK$225,805
baseline
▲ 0.50% · 4.625%
HK$237,707
+HK$11,902/mo
Deposit HK$18.10M · loan HK$42.23M · min. income ≈ HK$451,610/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,588
−HK$15,526/mo
▼ 0.25% · 3.875%
HK$255,289
−HK$7,825/mo
Today · 4.125%
HK$263,114
baseline
▲ 0.50% · 4.625%
HK$279,124
+HK$16,010/mo
Deposit HK$6.03M · loan HK$54.29M · min. income ≈ HK$526,228/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,439
−HK$14,881/mo
▼ 0.25% · 3.875%
HK$282,826
−HK$7,494/mo
Today · 4.125%
HK$290,320
baseline
▲ 0.50% · 4.625%
HK$305,623
+HK$15,303/mo
Deposit HK$6.03M · loan HK$54.29M · min. income ≈ HK$580,640/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$2,563,672 · Scale 2, in force from 26 Feb 2026)