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$137,608
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,888
−HK$4,349/mo
Today · 4.125%
HK$146,237
baseline
▲ 0.50% · 4.625%
HK$155,135
+HK$8,898/mo
Deposit HK$30.17M · loan HK$30.17M · min. income ≈ HK$292,474/mo (50% DSR)
Upfront cash ≈ HK$32.74M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,087
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,193
−HK$4,165/mo
Today · 4.125%
HK$161,358
baseline
▲ 0.50% · 4.625%
HK$169,863
+HK$8,505/mo
Deposit HK$30.17M · loan HK$30.17M · min. income ≈ HK$322,716/mo (50% DSR)
Upfront cash ≈ HK$32.74M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,129
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$170,266
−HK$5,218/mo
Today · 4.125%
HK$175,484
baseline
▲ 0.50% · 4.625%
HK$186,162
+HK$10,678/mo
Deposit HK$24.14M · loan HK$36.21M · min. income ≈ HK$350,968/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,705
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$188,631
−HK$4,999/mo
Today · 4.125%
HK$193,630
baseline
▲ 0.50% · 4.625%
HK$203,836
+HK$10,206/mo
Deposit HK$24.14M · loan HK$36.21M · min. income ≈ HK$387,260/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,651
−HK$12,081/mo
▼ 0.25% · 3.875%
HK$198,643
−HK$6,089/mo
Today · 4.125%
HK$204,732
baseline
▲ 0.50% · 4.625%
HK$217,189
+HK$12,457/mo
Deposit HK$18.10M · loan HK$42.24M · min. income ≈ HK$409,464/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,322
−HK$11,579/mo
▼ 0.25% · 3.875%
HK$220,070
−HK$5,831/mo
Today · 4.125%
HK$225,901
baseline
▲ 0.50% · 4.625%
HK$237,809
+HK$11,908/mo
Deposit HK$18.10M · loan HK$42.24M · min. income ≈ HK$451,802/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,694
−HK$15,532/mo
▼ 0.25% · 3.875%
HK$255,399
−HK$7,827/mo
Today · 4.125%
HK$263,226
baseline
▲ 0.50% · 4.625%
HK$279,243
+HK$16,017/mo
Deposit HK$6.03M · loan HK$54.31M · min. income ≈ HK$526,452/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,557
−HK$14,887/mo
▼ 0.25% · 3.875%
HK$282,947
−HK$7,497/mo
Today · 4.125%
HK$290,444
baseline
▲ 0.50% · 4.625%
HK$305,754
+HK$15,310/mo
Deposit HK$6.03M · loan HK$54.31M · min. income ≈ HK$580,888/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$2,564,768 · Scale 2, in force from 26 Feb 2026)