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$139,683
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$144,028
−HK$4,414/mo
Today · 4.125%
HK$148,442
baseline
▲ 0.50% · 4.625%
HK$157,474
+HK$9,032/mo
Deposit HK$30.63M · loan HK$30.63M · min. income ≈ HK$296,884/mo (50% DSR)
Upfront cash ≈ HK$33.23M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,396
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$159,563
−HK$4,228/mo
Today · 4.125%
HK$163,791
baseline
▲ 0.50% · 4.625%
HK$172,425
+HK$8,634/mo
Deposit HK$30.63M · loan HK$30.63M · min. income ≈ HK$327,582/mo (50% DSR)
Upfront cash ≈ HK$33.23M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,619
−HK$10,512/mo
▼ 0.25% · 3.875%
HK$172,833
−HK$5,298/mo
Today · 4.125%
HK$178,131
baseline
▲ 0.50% · 4.625%
HK$188,969
+HK$10,838/mo
Deposit HK$24.50M · loan HK$36.75M · min. income ≈ HK$356,262/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,475
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$191,476
−HK$5,073/mo
Today · 4.125%
HK$196,549
baseline
▲ 0.50% · 4.625%
HK$206,910
+HK$10,361/mo
Deposit HK$24.50M · loan HK$36.75M · min. income ≈ HK$393,098/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,556
−HK$12,263/mo
▼ 0.25% · 3.875%
HK$201,639
−HK$6,180/mo
Today · 4.125%
HK$207,819
baseline
▲ 0.50% · 4.625%
HK$220,464
+HK$12,645/mo
Deposit HK$18.38M · loan HK$42.88M · min. income ≈ HK$415,638/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,554
−HK$11,754/mo
▼ 0.25% · 3.875%
HK$223,389
−HK$5,919/mo
Today · 4.125%
HK$229,308
baseline
▲ 0.50% · 4.625%
HK$241,395
+HK$12,087/mo
Deposit HK$18.38M · loan HK$42.88M · min. income ≈ HK$458,616/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,429
−HK$15,767/mo
▼ 0.25% · 3.875%
HK$259,250
−HK$7,946/mo
Today · 4.125%
HK$267,196
baseline
▲ 0.50% · 4.625%
HK$283,454
+HK$16,258/mo
Deposit HK$6.13M · loan HK$55.13M · min. income ≈ HK$534,392/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,712
−HK$15,112/mo
▼ 0.25% · 3.875%
HK$287,214
−HK$7,610/mo
Today · 4.125%
HK$294,824
baseline
▲ 0.50% · 4.625%
HK$310,365
+HK$15,541/mo
Deposit HK$6.13M · loan HK$55.13M · min. income ≈ HK$589,648/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$2,603,444 · Scale 2, in force from 26 Feb 2026)