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$138,109
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,405
−HK$4,365/mo
Today · 4.125%
HK$146,770
baseline
▲ 0.50% · 4.625%
HK$155,701
+HK$8,931/mo
Deposit HK$30.28M · loan HK$30.28M · min. income ≈ HK$293,540/mo (50% DSR)
Upfront cash ≈ HK$32.86M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,645
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,766
−HK$4,180/mo
Today · 4.125%
HK$161,946
baseline
▲ 0.50% · 4.625%
HK$170,483
+HK$8,537/mo
Deposit HK$30.28M · loan HK$30.28M · min. income ≈ HK$323,892/mo (50% DSR)
Upfront cash ≈ HK$32.86M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,731
−HK$10,393/mo
▼ 0.25% · 3.875%
HK$170,886
−HK$5,238/mo
Today · 4.125%
HK$176,124
baseline
▲ 0.50% · 4.625%
HK$186,841
+HK$10,717/mo
Deposit HK$24.23M · loan HK$36.34M · min. income ≈ HK$352,248/mo (50% DSR)
Upfront cash ≈ HK$26.80M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,374
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$189,319
−HK$5,016/mo
Today · 4.125%
HK$194,335
baseline
▲ 0.50% · 4.625%
HK$204,579
+HK$10,244/mo
Deposit HK$24.23M · loan HK$36.34M · min. income ≈ HK$388,670/mo (50% DSR)
Upfront cash ≈ HK$26.80M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,353
−HK$12,125/mo
▼ 0.25% · 3.875%
HK$199,367
−HK$6,111/mo
Today · 4.125%
HK$205,478
baseline
▲ 0.50% · 4.625%
HK$217,981
+HK$12,503/mo
Deposit HK$18.17M · loan HK$42.40M · min. income ≈ HK$410,956/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,103
−HK$11,622/mo
▼ 0.25% · 3.875%
HK$220,872
−HK$5,853/mo
Today · 4.125%
HK$226,725
baseline
▲ 0.50% · 4.625%
HK$238,676
+HK$11,951/mo
Deposit HK$18.17M · loan HK$42.40M · min. income ≈ HK$453,450/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,597
−HK$15,589/mo
▼ 0.25% · 3.875%
HK$256,329
−HK$7,857/mo
Today · 4.125%
HK$264,186
baseline
▲ 0.50% · 4.625%
HK$280,261
+HK$16,075/mo
Deposit HK$6.06M · loan HK$54.51M · min. income ≈ HK$528,372/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,561
−HK$14,942/mo
▼ 0.25% · 3.875%
HK$283,979
−HK$7,524/mo
Today · 4.125%
HK$291,503
baseline
▲ 0.50% · 4.625%
HK$306,869
+HK$15,366/mo
Deposit HK$6.06M · loan HK$54.51M · min. income ≈ HK$583,006/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$2,574,117 · Scale 2, in force from 26 Feb 2026)