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$139,581
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$143,923
−HK$4,411/mo
Today · 4.125%
HK$148,334
baseline
▲ 0.50% · 4.625%
HK$157,360
+HK$9,026/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$296,668/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,283
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$159,447
−HK$4,225/mo
Today · 4.125%
HK$163,672
baseline
▲ 0.50% · 4.625%
HK$172,300
+HK$8,628/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$327,344/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,498
−HK$10,503/mo
▼ 0.25% · 3.875%
HK$172,708
−HK$5,293/mo
Today · 4.125%
HK$178,001
baseline
▲ 0.50% · 4.625%
HK$188,832
+HK$10,831/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$356,002/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,339
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$191,337
−HK$5,070/mo
Today · 4.125%
HK$196,407
baseline
▲ 0.50% · 4.625%
HK$206,760
+HK$10,353/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$392,814/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,414
−HK$12,254/mo
▼ 0.25% · 3.875%
HK$201,492
−HK$6,176/mo
Today · 4.125%
HK$207,668
baseline
▲ 0.50% · 4.625%
HK$220,304
+HK$12,636/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$415,336/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,396
−HK$11,745/mo
▼ 0.25% · 3.875%
HK$223,226
−HK$5,915/mo
Today · 4.125%
HK$229,141
baseline
▲ 0.50% · 4.625%
HK$241,219
+HK$12,078/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$458,282/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,246
−HK$15,756/mo
▼ 0.25% · 3.875%
HK$259,061
−HK$7,941/mo
Today · 4.125%
HK$267,002
baseline
▲ 0.50% · 4.625%
HK$283,248
+HK$16,246/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$534,004/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,509
−HK$15,101/mo
▼ 0.25% · 3.875%
HK$287,005
−HK$7,605/mo
Today · 4.125%
HK$294,610
baseline
▲ 0.50% · 4.625%
HK$310,139
+HK$15,529/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$589,220/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,552 · Scale 2, in force from 26 Feb 2026)