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$141,278
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$145,672
−HK$4,465/mo
Today · 4.125%
HK$150,137
baseline
▲ 0.50% · 4.625%
HK$159,273
+HK$9,136/mo
Deposit HK$30.98M · loan HK$30.98M · min. income ≈ HK$300,274/mo (50% DSR)
Upfront cash ≈ HK$33.61M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,170
−HK$8,491/mo
▼ 0.25% · 3.875%
HK$161,385
−HK$4,276/mo
Today · 4.125%
HK$165,661
baseline
▲ 0.50% · 4.625%
HK$174,394
+HK$8,733/mo
Deposit HK$30.98M · loan HK$30.98M · min. income ≈ HK$331,322/mo (50% DSR)
Upfront cash ≈ HK$33.61M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,533
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$174,807
−HK$5,358/mo
Today · 4.125%
HK$180,165
baseline
▲ 0.50% · 4.625%
HK$191,127
+HK$10,962/mo
Deposit HK$24.78M · loan HK$37.17M · min. income ≈ HK$360,330/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,604
−HK$10,190/mo
▼ 0.25% · 3.875%
HK$193,662
−HK$5,132/mo
Today · 4.125%
HK$198,794
baseline
▲ 0.50% · 4.625%
HK$209,272
+HK$10,478/mo
Deposit HK$24.78M · loan HK$37.17M · min. income ≈ HK$397,588/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,789
−HK$12,403/mo
▼ 0.25% · 3.875%
HK$203,941
−HK$6,251/mo
Today · 4.125%
HK$210,192
baseline
▲ 0.50% · 4.625%
HK$222,982
+HK$12,790/mo
Deposit HK$18.59M · loan HK$43.37M · min. income ≈ HK$420,384/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,038
−HK$11,888/mo
▼ 0.25% · 3.875%
HK$225,939
−HK$5,987/mo
Today · 4.125%
HK$231,926
baseline
▲ 0.50% · 4.625%
HK$244,151
+HK$12,225/mo
Deposit HK$18.59M · loan HK$43.37M · min. income ≈ HK$463,852/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,300
−HK$15,947/mo
▼ 0.25% · 3.875%
HK$262,210
−HK$8,037/mo
Today · 4.125%
HK$270,247
baseline
▲ 0.50% · 4.625%
HK$286,691
+HK$16,444/mo
Deposit HK$6.20M · loan HK$55.76M · min. income ≈ HK$540,494/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,906
−HK$15,285/mo
▼ 0.25% · 3.875%
HK$290,494
−HK$7,697/mo
Today · 4.125%
HK$298,191
baseline
▲ 0.50% · 4.625%
HK$313,909
+HK$15,718/mo
Deposit HK$6.20M · loan HK$55.76M · min. income ≈ HK$596,382/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$2,633,171 · Scale 2, in force from 26 Feb 2026)