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$139,818
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,167
−HK$4,418/mo
Today · 4.125%
HK$148,585
baseline
▲ 0.50% · 4.625%
HK$157,626
+HK$9,041/mo
Deposit HK$30.66M · loan HK$30.66M · min. income ≈ HK$297,170/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,546
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$159,717
−HK$4,232/mo
Today · 4.125%
HK$163,949
baseline
▲ 0.50% · 4.625%
HK$172,591
+HK$8,642/mo
Deposit HK$30.66M · loan HK$30.66M · min. income ≈ HK$327,898/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,781
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$173,000
−HK$5,302/mo
Today · 4.125%
HK$178,302
baseline
▲ 0.50% · 4.625%
HK$189,152
+HK$10,850/mo
Deposit HK$24.53M · loan HK$36.79M · min. income ≈ HK$356,604/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,655
−HK$10,084/mo
▼ 0.25% · 3.875%
HK$191,661
−HK$5,078/mo
Today · 4.125%
HK$196,739
baseline
▲ 0.50% · 4.625%
HK$207,110
+HK$10,371/mo
Deposit HK$24.53M · loan HK$36.79M · min. income ≈ HK$393,478/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,745
−HK$12,274/mo
▼ 0.25% · 3.875%
HK$201,833
−HK$6,186/mo
Today · 4.125%
HK$208,019
baseline
▲ 0.50% · 4.625%
HK$220,677
+HK$12,658/mo
Deposit HK$18.39M · loan HK$42.92M · min. income ≈ HK$416,038/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,764
−HK$11,765/mo
▼ 0.25% · 3.875%
HK$223,604
−HK$5,925/mo
Today · 4.125%
HK$229,529
baseline
▲ 0.50% · 4.625%
HK$241,628
+HK$12,099/mo
Deposit HK$18.39M · loan HK$42.92M · min. income ≈ HK$459,058/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,672
−HK$15,782/mo
▼ 0.25% · 3.875%
HK$259,500
−HK$7,954/mo
Today · 4.125%
HK$267,454
baseline
▲ 0.50% · 4.625%
HK$283,728
+HK$16,274/mo
Deposit HK$6.13M · loan HK$55.18M · min. income ≈ HK$534,908/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,982
−HK$15,127/mo
▼ 0.25% · 3.875%
HK$287,491
−HK$7,618/mo
Today · 4.125%
HK$295,109
baseline
▲ 0.50% · 4.625%
HK$310,664
+HK$15,555/mo
Deposit HK$6.13M · loan HK$55.18M · min. income ≈ HK$590,218/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,605,955 · Scale 2, in force from 26 Feb 2026)