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$138,646
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,959
−HK$4,382/mo
Today · 4.125%
HK$147,341
baseline
▲ 0.50% · 4.625%
HK$156,306
+HK$8,965/mo
Deposit HK$30.40M · loan HK$30.40M · min. income ≈ HK$294,682/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,243
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,379
−HK$4,197/mo
Today · 4.125%
HK$162,576
baseline
▲ 0.50% · 4.625%
HK$171,146
+HK$8,570/mo
Deposit HK$30.40M · loan HK$30.40M · min. income ≈ HK$325,152/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,376
−HK$10,433/mo
▼ 0.25% · 3.875%
HK$171,551
−HK$5,258/mo
Today · 4.125%
HK$176,809
baseline
▲ 0.50% · 4.625%
HK$187,567
+HK$10,758/mo
Deposit HK$24.32M · loan HK$36.48M · min. income ≈ HK$353,618/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,091
−HK$10,000/mo
▼ 0.25% · 3.875%
HK$190,055
−HK$5,036/mo
Today · 4.125%
HK$195,091
baseline
▲ 0.50% · 4.625%
HK$205,375
+HK$10,284/mo
Deposit HK$24.32M · loan HK$36.48M · min. income ≈ HK$390,182/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,105
−HK$12,172/mo
▼ 0.25% · 3.875%
HK$200,143
−HK$6,134/mo
Today · 4.125%
HK$206,277
baseline
▲ 0.50% · 4.625%
HK$218,828
+HK$12,551/mo
Deposit HK$18.24M · loan HK$42.56M · min. income ≈ HK$412,554/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,940
−HK$11,666/mo
▼ 0.25% · 3.875%
HK$221,731
−HK$5,875/mo
Today · 4.125%
HK$227,606
baseline
▲ 0.50% · 4.625%
HK$239,604
+HK$11,998/mo
Deposit HK$18.24M · loan HK$42.56M · min. income ≈ HK$455,212/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,563
−HK$15,650/mo
▼ 0.25% · 3.875%
HK$257,326
−HK$7,887/mo
Today · 4.125%
HK$265,213
baseline
▲ 0.50% · 4.625%
HK$281,351
+HK$16,138/mo
Deposit HK$6.08M · loan HK$54.72M · min. income ≈ HK$530,426/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,637
−HK$15,000/mo
▼ 0.25% · 3.875%
HK$285,083
−HK$7,554/mo
Today · 4.125%
HK$292,637
baseline
▲ 0.50% · 4.625%
HK$308,062
+HK$15,425/mo
Deposit HK$6.08M · loan HK$54.72M · min. income ≈ HK$585,274/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$2,584,127 · Scale 2, in force from 26 Feb 2026)