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$139,418
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$143,755
−HK$4,406/mo
Today · 4.125%
HK$148,161
baseline
▲ 0.50% · 4.625%
HK$157,176
+HK$9,015/mo
Deposit HK$30.57M · loan HK$30.57M · min. income ≈ HK$296,322/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,102
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$159,261
−HK$4,220/mo
Today · 4.125%
HK$163,481
baseline
▲ 0.50% · 4.625%
HK$172,099
+HK$8,618/mo
Deposit HK$30.57M · loan HK$30.57M · min. income ≈ HK$326,962/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,302
−HK$10,491/mo
▼ 0.25% · 3.875%
HK$172,506
−HK$5,287/mo
Today · 4.125%
HK$177,793
baseline
▲ 0.50% · 4.625%
HK$188,612
+HK$10,819/mo
Deposit HK$24.46M · loan HK$36.68M · min. income ≈ HK$355,586/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,122
−HK$10,055/mo
▼ 0.25% · 3.875%
HK$191,114
−HK$5,063/mo
Today · 4.125%
HK$196,177
baseline
▲ 0.50% · 4.625%
HK$206,518
+HK$10,341/mo
Deposit HK$24.46M · loan HK$36.68M · min. income ≈ HK$392,354/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,186
−HK$12,240/mo
▼ 0.25% · 3.875%
HK$201,257
−HK$6,169/mo
Today · 4.125%
HK$207,426
baseline
▲ 0.50% · 4.625%
HK$220,047
+HK$12,621/mo
Deposit HK$18.34M · loan HK$42.80M · min. income ≈ HK$414,852/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,142
−HK$11,732/mo
▼ 0.25% · 3.875%
HK$222,966
−HK$5,908/mo
Today · 4.125%
HK$228,874
baseline
▲ 0.50% · 4.625%
HK$240,938
+HK$12,064/mo
Deposit HK$18.34M · loan HK$42.80M · min. income ≈ HK$457,748/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,953
−HK$15,737/mo
▼ 0.25% · 3.875%
HK$258,759
−HK$7,931/mo
Today · 4.125%
HK$266,690
baseline
▲ 0.50% · 4.625%
HK$282,917
+HK$16,227/mo
Deposit HK$6.11M · loan HK$55.03M · min. income ≈ HK$533,380/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,183
−HK$15,083/mo
▼ 0.25% · 3.875%
HK$286,670
−HK$7,596/mo
Today · 4.125%
HK$294,266
baseline
▲ 0.50% · 4.625%
HK$309,777
+HK$15,511/mo
Deposit HK$6.11M · loan HK$55.03M · min. income ≈ HK$588,532/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,598,516 · Scale 2, in force from 26 Feb 2026)