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$138,839
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$143,158
−HK$4,387/mo
Today · 4.125%
HK$147,545
baseline
▲ 0.50% · 4.625%
HK$156,523
+HK$8,978/mo
Deposit HK$30.44M · loan HK$30.44M · min. income ≈ HK$295,090/mo (50% DSR)
Upfront cash ≈ HK$33.03M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,457
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$158,599
−HK$4,203/mo
Today · 4.125%
HK$162,802
baseline
▲ 0.50% · 4.625%
HK$171,383
+HK$8,581/mo
Deposit HK$30.44M · loan HK$30.44M · min. income ≈ HK$325,604/mo (50% DSR)
Upfront cash ≈ HK$33.03M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,607
−HK$10,447/mo
▼ 0.25% · 3.875%
HK$171,789
−HK$5,265/mo
Today · 4.125%
HK$177,054
baseline
▲ 0.50% · 4.625%
HK$187,828
+HK$10,774/mo
Deposit HK$24.35M · loan HK$36.53M · min. income ≈ HK$354,108/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,348
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$190,319
−HK$5,043/mo
Today · 4.125%
HK$195,362
baseline
▲ 0.50% · 4.625%
HK$205,660
+HK$10,298/mo
Deposit HK$24.35M · loan HK$36.53M · min. income ≈ HK$390,724/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,375
−HK$12,189/mo
▼ 0.25% · 3.875%
HK$200,421
−HK$6,143/mo
Today · 4.125%
HK$206,564
baseline
▲ 0.50% · 4.625%
HK$219,132
+HK$12,568/mo
Deposit HK$18.27M · loan HK$42.62M · min. income ≈ HK$413,128/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,240
−HK$11,682/mo
▼ 0.25% · 3.875%
HK$222,039
−HK$5,883/mo
Today · 4.125%
HK$227,922
baseline
▲ 0.50% · 4.625%
HK$239,937
+HK$12,015/mo
Deposit HK$18.27M · loan HK$42.62M · min. income ≈ HK$455,844/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,910
−HK$15,672/mo
▼ 0.25% · 3.875%
HK$257,684
−HK$7,898/mo
Today · 4.125%
HK$265,582
baseline
▲ 0.50% · 4.625%
HK$281,742
+HK$16,160/mo
Deposit HK$6.09M · loan HK$54.80M · min. income ≈ HK$531,164/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,022
−HK$15,021/mo
▼ 0.25% · 3.875%
HK$285,479
−HK$7,564/mo
Today · 4.125%
HK$293,043
baseline
▲ 0.50% · 4.625%
HK$308,490
+HK$15,447/mo
Deposit HK$6.09M · loan HK$54.80M · min. income ≈ HK$586,086/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,587,716 · Scale 2, in force from 26 Feb 2026)