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$137,919
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,209
−HK$4,359/mo
Today · 4.125%
HK$146,568
baseline
▲ 0.50% · 4.625%
HK$155,486
+HK$8,918/mo
Deposit HK$30.24M · loan HK$30.24M · min. income ≈ HK$293,136/mo (50% DSR)
Upfront cash ≈ HK$32.81M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,434
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,549
−HK$4,174/mo
Today · 4.125%
HK$161,723
baseline
▲ 0.50% · 4.625%
HK$170,248
+HK$8,525/mo
Deposit HK$30.24M · loan HK$30.24M · min. income ≈ HK$323,446/mo (50% DSR)
Upfront cash ≈ HK$32.81M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,503
−HK$10,379/mo
▼ 0.25% · 3.875%
HK$170,651
−HK$5,231/mo
Today · 4.125%
HK$175,882
baseline
▲ 0.50% · 4.625%
HK$186,584
+HK$10,702/mo
Deposit HK$24.19M · loan HK$36.29M · min. income ≈ HK$351,764/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,121
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$189,059
−HK$5,009/mo
Today · 4.125%
HK$194,068
baseline
▲ 0.50% · 4.625%
HK$204,298
+HK$10,230/mo
Deposit HK$24.19M · loan HK$36.29M · min. income ≈ HK$388,136/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,087
−HK$12,108/mo
▼ 0.25% · 3.875%
HK$199,093
−HK$6,102/mo
Today · 4.125%
HK$205,195
baseline
▲ 0.50% · 4.625%
HK$217,681
+HK$12,486/mo
Deposit HK$18.15M · loan HK$42.34M · min. income ≈ HK$410,390/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,808
−HK$11,605/mo
▼ 0.25% · 3.875%
HK$220,569
−HK$5,844/mo
Today · 4.125%
HK$226,413
baseline
▲ 0.50% · 4.625%
HK$238,347
+HK$11,934/mo
Deposit HK$18.15M · loan HK$42.34M · min. income ≈ HK$452,826/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,255
−HK$15,568/mo
▼ 0.25% · 3.875%
HK$255,977
−HK$7,846/mo
Today · 4.125%
HK$263,823
baseline
▲ 0.50% · 4.625%
HK$279,876
+HK$16,053/mo
Deposit HK$6.05M · loan HK$54.44M · min. income ≈ HK$527,646/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,181
−HK$14,921/mo
▼ 0.25% · 3.875%
HK$283,588
−HK$7,514/mo
Today · 4.125%
HK$291,102
baseline
▲ 0.50% · 4.625%
HK$306,447
+HK$15,345/mo
Deposit HK$6.05M · loan HK$54.44M · min. income ≈ HK$582,204/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$2,570,577 · Scale 2, in force from 26 Feb 2026)