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$137,519
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,796
−HK$4,346/mo
Today · 4.125%
HK$146,142
baseline
▲ 0.50% · 4.625%
HK$155,035
+HK$8,893/mo
Deposit HK$30.15M · loan HK$30.15M · min. income ≈ HK$292,284/mo (50% DSR)
Upfront cash ≈ HK$32.72M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,988
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$157,091
−HK$4,163/mo
Today · 4.125%
HK$161,254
baseline
▲ 0.50% · 4.625%
HK$169,753
+HK$8,499/mo
Deposit HK$30.15M · loan HK$30.15M · min. income ≈ HK$322,508/mo (50% DSR)
Upfront cash ≈ HK$32.72M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,022
−HK$10,349/mo
▼ 0.25% · 3.875%
HK$170,155
−HK$5,216/mo
Today · 4.125%
HK$175,371
baseline
▲ 0.50% · 4.625%
HK$186,042
+HK$10,671/mo
Deposit HK$24.12M · loan HK$36.19M · min. income ≈ HK$350,742/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,586
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$188,509
−HK$4,995/mo
Today · 4.125%
HK$193,504
baseline
▲ 0.50% · 4.625%
HK$203,704
+HK$10,200/mo
Deposit HK$24.12M · loan HK$36.19M · min. income ≈ HK$387,008/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,526
−HK$12,073/mo
▼ 0.25% · 3.875%
HK$198,515
−HK$6,084/mo
Today · 4.125%
HK$204,599
baseline
▲ 0.50% · 4.625%
HK$217,049
+HK$12,450/mo
Deposit HK$18.09M · loan HK$42.22M · min. income ≈ HK$409,198/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,183
−HK$11,572/mo
▼ 0.25% · 3.875%
HK$219,928
−HK$5,827/mo
Today · 4.125%
HK$225,755
baseline
▲ 0.50% · 4.625%
HK$237,655
+HK$11,900/mo
Deposit HK$18.09M · loan HK$42.22M · min. income ≈ HK$451,510/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,534
−HK$15,522/mo
▼ 0.25% · 3.875%
HK$255,233
−HK$7,823/mo
Today · 4.125%
HK$263,056
baseline
▲ 0.50% · 4.625%
HK$279,062
+HK$16,006/mo
Deposit HK$6.03M · loan HK$54.28M · min. income ≈ HK$526,112/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,379
−HK$14,877/mo
▼ 0.25% · 3.875%
HK$282,764
−HK$7,492/mo
Today · 4.125%
HK$290,256
baseline
▲ 0.50% · 4.625%
HK$305,556
+HK$15,300/mo
Deposit HK$6.03M · loan HK$54.28M · min. income ≈ HK$580,512/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,563,107 · Scale 2, in force from 26 Feb 2026)