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$138,980
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,303
−HK$4,392/mo
Today · 4.125%
HK$147,695
baseline
▲ 0.50% · 4.625%
HK$156,682
+HK$8,987/mo
Deposit HK$30.47M · loan HK$30.47M · min. income ≈ HK$295,390/mo (50% DSR)
Upfront cash ≈ HK$33.07M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,614
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,761
−HK$4,206/mo
Today · 4.125%
HK$162,967
baseline
▲ 0.50% · 4.625%
HK$171,558
+HK$8,591/mo
Deposit HK$30.47M · loan HK$30.47M · min. income ≈ HK$325,934/mo (50% DSR)
Upfront cash ≈ HK$33.07M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,776
−HK$10,459/mo
▼ 0.25% · 3.875%
HK$171,964
−HK$5,271/mo
Today · 4.125%
HK$177,235
baseline
▲ 0.50% · 4.625%
HK$188,019
+HK$10,784/mo
Deposit HK$24.38M · loan HK$36.57M · min. income ≈ HK$354,470/mo (50% DSR)
Upfront cash ≈ HK$26.97M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,537
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$190,513
−HK$5,048/mo
Today · 4.125%
HK$195,561
baseline
▲ 0.50% · 4.625%
HK$205,869
+HK$10,308/mo
Deposit HK$24.38M · loan HK$36.57M · min. income ≈ HK$391,122/mo (50% DSR)
Upfront cash ≈ HK$26.97M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,572
−HK$12,202/mo
▼ 0.25% · 3.875%
HK$200,625
−HK$6,149/mo
Today · 4.125%
HK$206,774
baseline
▲ 0.50% · 4.625%
HK$219,355
+HK$12,581/mo
Deposit HK$18.28M · loan HK$42.66M · min. income ≈ HK$413,548/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,460
−HK$11,694/mo
▼ 0.25% · 3.875%
HK$222,265
−HK$5,889/mo
Today · 4.125%
HK$228,154
baseline
▲ 0.50% · 4.625%
HK$240,181
+HK$12,027/mo
Deposit HK$18.28M · loan HK$42.66M · min. income ≈ HK$456,308/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,164
−HK$15,688/mo
▼ 0.25% · 3.875%
HK$257,946
−HK$7,906/mo
Today · 4.125%
HK$265,852
baseline
▲ 0.50% · 4.625%
HK$282,028
+HK$16,176/mo
Deposit HK$6.09M · loan HK$54.85M · min. income ≈ HK$531,704/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,305
−HK$15,036/mo
▼ 0.25% · 3.875%
HK$285,769
−HK$7,572/mo
Today · 4.125%
HK$293,341
baseline
▲ 0.50% · 4.625%
HK$308,804
+HK$15,463/mo
Deposit HK$6.09M · loan HK$54.85M · min. income ≈ HK$586,682/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,590,348 · Scale 2, in force from 26 Feb 2026)