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$138,748
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$143,064
−HK$4,384/mo
Today · 4.125%
HK$147,448
baseline
▲ 0.50% · 4.625%
HK$156,420
+HK$8,972/mo
Deposit HK$30.42M · loan HK$30.42M · min. income ≈ HK$294,896/mo (50% DSR)
Upfront cash ≈ HK$33.01M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,355
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$158,495
−HK$4,200/mo
Today · 4.125%
HK$162,695
baseline
▲ 0.50% · 4.625%
HK$171,271
+HK$8,576/mo
Deposit HK$30.42M · loan HK$30.42M · min. income ≈ HK$325,390/mo (50% DSR)
Upfront cash ≈ HK$33.01M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,497
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,676
−HK$5,262/mo
Today · 4.125%
HK$176,938
baseline
▲ 0.50% · 4.625%
HK$187,704
+HK$10,766/mo
Deposit HK$24.34M · loan HK$36.51M · min. income ≈ HK$353,876/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,226
−HK$10,008/mo
▼ 0.25% · 3.875%
HK$190,194
−HK$5,040/mo
Today · 4.125%
HK$195,234
baseline
▲ 0.50% · 4.625%
HK$205,525
+HK$10,291/mo
Deposit HK$24.34M · loan HK$36.51M · min. income ≈ HK$390,468/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,247
−HK$12,181/mo
▼ 0.25% · 3.875%
HK$200,289
−HK$6,139/mo
Today · 4.125%
HK$206,428
baseline
▲ 0.50% · 4.625%
HK$218,988
+HK$12,560/mo
Deposit HK$18.25M · loan HK$42.59M · min. income ≈ HK$412,856/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,098
−HK$11,675/mo
▼ 0.25% · 3.875%
HK$221,893
−HK$5,880/mo
Today · 4.125%
HK$227,773
baseline
▲ 0.50% · 4.625%
HK$239,779
+HK$12,006/mo
Deposit HK$18.25M · loan HK$42.59M · min. income ≈ HK$455,546/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,746
−HK$15,661/mo
▼ 0.25% · 3.875%
HK$257,514
−HK$7,893/mo
Today · 4.125%
HK$265,407
baseline
▲ 0.50% · 4.625%
HK$281,556
+HK$16,149/mo
Deposit HK$6.08M · loan HK$54.76M · min. income ≈ HK$530,814/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,840
−HK$15,011/mo
▼ 0.25% · 3.875%
HK$285,291
−HK$7,560/mo
Today · 4.125%
HK$292,851
baseline
▲ 0.50% · 4.625%
HK$308,287
+HK$15,436/mo
Deposit HK$6.08M · loan HK$54.76M · min. income ≈ HK$585,702/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,586,015 · Scale 2, in force from 26 Feb 2026)