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$139,940
−HK$8,775/mo
▼ 0.25% · 3.875%
HK$144,293
−HK$4,422/mo
Today · 4.125%
HK$148,715
baseline
▲ 0.50% · 4.625%
HK$157,764
+HK$9,049/mo
Deposit HK$30.69M · loan HK$30.69M · min. income ≈ HK$297,430/mo (50% DSR)
Upfront cash ≈ HK$33.29M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,682
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$159,857
−HK$4,236/mo
Today · 4.125%
HK$164,093
baseline
▲ 0.50% · 4.625%
HK$172,742
+HK$8,649/mo
Deposit HK$30.69M · loan HK$30.69M · min. income ≈ HK$328,186/mo (50% DSR)
Upfront cash ≈ HK$33.29M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,928
−HK$10,531/mo
▼ 0.25% · 3.875%
HK$173,151
−HK$5,308/mo
Today · 4.125%
HK$178,459
baseline
▲ 0.50% · 4.625%
HK$189,317
+HK$10,858/mo
Deposit HK$24.55M · loan HK$36.82M · min. income ≈ HK$356,918/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,818
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$191,829
−HK$5,082/mo
Today · 4.125%
HK$196,911
baseline
▲ 0.50% · 4.625%
HK$207,291
+HK$10,380/mo
Deposit HK$24.55M · loan HK$36.82M · min. income ≈ HK$393,822/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,916
−HK$12,286/mo
▼ 0.25% · 3.875%
HK$202,010
−HK$6,192/mo
Today · 4.125%
HK$208,202
baseline
▲ 0.50% · 4.625%
HK$220,870
+HK$12,668/mo
Deposit HK$18.41M · loan HK$42.96M · min. income ≈ HK$416,404/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,955
−HK$11,775/mo
▼ 0.25% · 3.875%
HK$223,800
−HK$5,930/mo
Today · 4.125%
HK$229,730
baseline
▲ 0.50% · 4.625%
HK$241,839
+HK$12,109/mo
Deposit HK$18.41M · loan HK$42.96M · min. income ≈ HK$459,460/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,892
−HK$15,796/mo
▼ 0.25% · 3.875%
HK$259,727
−HK$7,961/mo
Today · 4.125%
HK$267,688
baseline
▲ 0.50% · 4.625%
HK$283,976
+HK$16,288/mo
Deposit HK$6.14M · loan HK$55.23M · min. income ≈ HK$535,376/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,227
−HK$15,140/mo
▼ 0.25% · 3.875%
HK$287,743
−HK$7,624/mo
Today · 4.125%
HK$295,367
baseline
▲ 0.50% · 4.625%
HK$310,936
+HK$15,569/mo
Deposit HK$6.14M · loan HK$55.23M · min. income ≈ HK$590,734/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$2,608,237 · Scale 2, in force from 26 Feb 2026)