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$140,143
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$144,502
−HK$4,429/mo
Today · 4.125%
HK$148,931
baseline
▲ 0.50% · 4.625%
HK$157,993
+HK$9,062/mo
Deposit HK$30.73M · loan HK$30.73M · min. income ≈ HK$297,862/mo (50% DSR)
Upfront cash ≈ HK$33.34M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,908
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$160,089
−HK$4,242/mo
Today · 4.125%
HK$164,331
baseline
▲ 0.50% · 4.625%
HK$172,993
+HK$8,662/mo
Deposit HK$30.73M · loan HK$30.73M · min. income ≈ HK$328,662/mo (50% DSR)
Upfront cash ≈ HK$33.34M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,172
−HK$10,545/mo
▼ 0.25% · 3.875%
HK$173,403
−HK$5,314/mo
Today · 4.125%
HK$178,717
baseline
▲ 0.50% · 4.625%
HK$189,592
+HK$10,875/mo
Deposit HK$24.58M · loan HK$36.88M · min. income ≈ HK$357,434/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,089
−HK$10,108/mo
▼ 0.25% · 3.875%
HK$192,107
−HK$5,090/mo
Today · 4.125%
HK$197,197
baseline
▲ 0.50% · 4.625%
HK$207,592
+HK$10,395/mo
Deposit HK$24.58M · loan HK$36.88M · min. income ≈ HK$394,394/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,200
−HK$12,304/mo
▼ 0.25% · 3.875%
HK$202,303
−HK$6,201/mo
Today · 4.125%
HK$208,504
baseline
▲ 0.50% · 4.625%
HK$221,191
+HK$12,687/mo
Deposit HK$18.44M · loan HK$43.02M · min. income ≈ HK$417,008/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,271
−HK$11,792/mo
▼ 0.25% · 3.875%
HK$224,125
−HK$5,938/mo
Today · 4.125%
HK$230,063
baseline
▲ 0.50% · 4.625%
HK$242,190
+HK$12,127/mo
Deposit HK$18.44M · loan HK$43.02M · min. income ≈ HK$460,126/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,257
−HK$15,819/mo
▼ 0.25% · 3.875%
HK$260,104
−HK$7,972/mo
Today · 4.125%
HK$268,076
baseline
▲ 0.50% · 4.625%
HK$284,388
+HK$16,312/mo
Deposit HK$6.15M · loan HK$55.31M · min. income ≈ HK$536,152/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,634
−HK$15,162/mo
▼ 0.25% · 3.875%
HK$288,160
−HK$7,636/mo
Today · 4.125%
HK$295,796
baseline
▲ 0.50% · 4.625%
HK$311,387
+HK$15,591/mo
Deposit HK$6.15M · loan HK$55.31M · min. income ≈ HK$591,592/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,612,022 · Scale 2, in force from 26 Feb 2026)