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$140,068
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$144,425
−HK$4,427/mo
Today · 4.125%
HK$148,852
baseline
▲ 0.50% · 4.625%
HK$157,909
+HK$9,057/mo
Deposit HK$30.71M · loan HK$30.71M · min. income ≈ HK$297,704/mo (50% DSR)
Upfront cash ≈ HK$33.32M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,824
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$160,004
−HK$4,239/mo
Today · 4.125%
HK$164,243
baseline
▲ 0.50% · 4.625%
HK$172,901
+HK$8,658/mo
Deposit HK$30.71M · loan HK$30.71M · min. income ≈ HK$328,486/mo (50% DSR)
Upfront cash ≈ HK$33.32M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,082
−HK$10,540/mo
▼ 0.25% · 3.875%
HK$173,310
−HK$5,312/mo
Today · 4.125%
HK$178,622
baseline
▲ 0.50% · 4.625%
HK$189,491
+HK$10,869/mo
Deposit HK$24.57M · loan HK$36.86M · min. income ≈ HK$357,244/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,989
−HK$10,103/mo
▼ 0.25% · 3.875%
HK$192,004
−HK$5,088/mo
Today · 4.125%
HK$197,092
baseline
▲ 0.50% · 4.625%
HK$207,481
+HK$10,389/mo
Deposit HK$24.57M · loan HK$36.86M · min. income ≈ HK$394,184/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,096
−HK$12,296/mo
▼ 0.25% · 3.875%
HK$202,195
−HK$6,197/mo
Today · 4.125%
HK$208,392
baseline
▲ 0.50% · 4.625%
HK$221,073
+HK$12,681/mo
Deposit HK$18.43M · loan HK$43.00M · min. income ≈ HK$416,784/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,154
−HK$11,786/mo
▼ 0.25% · 3.875%
HK$224,005
−HK$5,935/mo
Today · 4.125%
HK$229,940
baseline
▲ 0.50% · 4.625%
HK$242,061
+HK$12,121/mo
Deposit HK$18.43M · loan HK$43.00M · min. income ≈ HK$459,880/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,123
−HK$15,810/mo
▼ 0.25% · 3.875%
HK$259,965
−HK$7,968/mo
Today · 4.125%
HK$267,933
baseline
▲ 0.50% · 4.625%
HK$284,236
+HK$16,303/mo
Deposit HK$6.14M · loan HK$55.28M · min. income ≈ HK$535,866/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,484
−HK$15,154/mo
▼ 0.25% · 3.875%
HK$288,007
−HK$7,631/mo
Today · 4.125%
HK$295,638
baseline
▲ 0.50% · 4.625%
HK$311,221
+HK$15,583/mo
Deposit HK$6.14M · loan HK$55.28M · min. income ≈ HK$591,276/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$2,610,628 · Scale 2, in force from 26 Feb 2026)