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$139,582
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$143,924
−HK$4,411/mo
Today · 4.125%
HK$148,335
baseline
▲ 0.50% · 4.625%
HK$157,361
+HK$9,026/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$296,670/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,284
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$159,449
−HK$4,224/mo
Today · 4.125%
HK$163,673
baseline
▲ 0.50% · 4.625%
HK$172,301
+HK$8,628/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$327,346/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,499
−HK$10,503/mo
▼ 0.25% · 3.875%
HK$172,709
−HK$5,293/mo
Today · 4.125%
HK$178,002
baseline
▲ 0.50% · 4.625%
HK$188,833
+HK$10,831/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$356,004/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,341
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$191,338
−HK$5,070/mo
Today · 4.125%
HK$196,408
baseline
▲ 0.50% · 4.625%
HK$206,761
+HK$10,353/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$392,816/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,415
−HK$12,254/mo
▼ 0.25% · 3.875%
HK$201,494
−HK$6,175/mo
Today · 4.125%
HK$207,669
baseline
▲ 0.50% · 4.625%
HK$220,306
+HK$12,637/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$415,338/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,397
−HK$11,746/mo
▼ 0.25% · 3.875%
HK$223,228
−HK$5,915/mo
Today · 4.125%
HK$229,143
baseline
▲ 0.50% · 4.625%
HK$241,221
+HK$12,078/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$458,286/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,248
−HK$15,756/mo
▼ 0.25% · 3.875%
HK$259,063
−HK$7,941/mo
Today · 4.125%
HK$267,004
baseline
▲ 0.50% · 4.625%
HK$283,250
+HK$16,246/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$534,008/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,511
−HK$15,101/mo
▼ 0.25% · 3.875%
HK$287,007
−HK$7,605/mo
Today · 4.125%
HK$294,612
baseline
▲ 0.50% · 4.625%
HK$310,142
+HK$15,530/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$589,224/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,571 · Scale 2, in force from 26 Feb 2026)