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$140,597
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$144,970
−HK$4,443/mo
Today · 4.125%
HK$149,413
baseline
▲ 0.50% · 4.625%
HK$158,505
+HK$9,092/mo
Deposit HK$30.83M · loan HK$30.83M · min. income ≈ HK$298,826/mo (50% DSR)
Upfront cash ≈ HK$33.45M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,412
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$160,607
−HK$4,256/mo
Today · 4.125%
HK$164,863
baseline
▲ 0.50% · 4.625%
HK$173,553
+HK$8,690/mo
Deposit HK$30.83M · loan HK$30.83M · min. income ≈ HK$329,726/mo (50% DSR)
Upfront cash ≈ HK$33.45M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,716
−HK$10,580/mo
▼ 0.25% · 3.875%
HK$173,964
−HK$5,332/mo
Today · 4.125%
HK$179,296
baseline
▲ 0.50% · 4.625%
HK$190,206
+HK$10,910/mo
Deposit HK$24.66M · loan HK$36.99M · min. income ≈ HK$358,592/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,695
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$192,729
−HK$5,106/mo
Today · 4.125%
HK$197,835
baseline
▲ 0.50% · 4.625%
HK$208,263
+HK$10,428/mo
Deposit HK$24.66M · loan HK$36.99M · min. income ≈ HK$395,670/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,835
−HK$12,344/mo
▼ 0.25% · 3.875%
HK$202,958
−HK$6,221/mo
Today · 4.125%
HK$209,179
baseline
▲ 0.50% · 4.625%
HK$221,907
+HK$12,728/mo
Deposit HK$18.50M · loan HK$43.16M · min. income ≈ HK$418,358/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,977
−HK$11,831/mo
▼ 0.25% · 3.875%
HK$224,850
−HK$5,958/mo
Today · 4.125%
HK$230,808
baseline
▲ 0.50% · 4.625%
HK$242,974
+HK$12,166/mo
Deposit HK$18.50M · loan HK$43.16M · min. income ≈ HK$461,616/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,074
−HK$15,870/mo
▼ 0.25% · 3.875%
HK$260,946
−HK$7,998/mo
Today · 4.125%
HK$268,944
baseline
▲ 0.50% · 4.625%
HK$285,308
+HK$16,364/mo
Deposit HK$6.17M · loan HK$55.49M · min. income ≈ HK$537,888/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,542
−HK$15,211/mo
▼ 0.25% · 3.875%
HK$289,093
−HK$7,660/mo
Today · 4.125%
HK$296,753
baseline
▲ 0.50% · 4.625%
HK$312,395
+HK$15,642/mo
Deposit HK$6.17M · loan HK$55.49M · min. income ≈ HK$593,506/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,620,475 · Scale 2, in force from 26 Feb 2026)