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$139,486
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$143,825
−HK$4,408/mo
Today · 4.125%
HK$148,233
baseline
▲ 0.50% · 4.625%
HK$157,253
+HK$9,020/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$296,466/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,177
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$159,339
−HK$4,222/mo
Today · 4.125%
HK$163,561
baseline
▲ 0.50% · 4.625%
HK$172,183
+HK$8,622/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$327,122/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,384
−HK$10,496/mo
▼ 0.25% · 3.875%
HK$172,590
−HK$5,290/mo
Today · 4.125%
HK$177,880
baseline
▲ 0.50% · 4.625%
HK$188,704
+HK$10,824/mo
Deposit HK$24.47M · loan HK$36.70M · min. income ≈ HK$355,760/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,213
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$191,207
−HK$5,066/mo
Today · 4.125%
HK$196,273
baseline
▲ 0.50% · 4.625%
HK$206,619
+HK$10,346/mo
Deposit HK$24.47M · loan HK$36.70M · min. income ≈ HK$392,546/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,281
−HK$12,246/mo
▼ 0.25% · 3.875%
HK$201,355
−HK$6,172/mo
Today · 4.125%
HK$207,527
baseline
▲ 0.50% · 4.625%
HK$220,154
+HK$12,627/mo
Deposit HK$18.35M · loan HK$42.82M · min. income ≈ HK$415,054/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,248
−HK$11,737/mo
▼ 0.25% · 3.875%
HK$223,075
−HK$5,910/mo
Today · 4.125%
HK$228,985
baseline
▲ 0.50% · 4.625%
HK$241,056
+HK$12,071/mo
Deposit HK$18.35M · loan HK$42.82M · min. income ≈ HK$457,970/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,076
−HK$15,744/mo
▼ 0.25% · 3.875%
HK$258,885
−HK$7,935/mo
Today · 4.125%
HK$266,820
baseline
▲ 0.50% · 4.625%
HK$283,056
+HK$16,236/mo
Deposit HK$6.12M · loan HK$55.05M · min. income ≈ HK$533,640/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,319
−HK$15,091/mo
▼ 0.25% · 3.875%
HK$286,810
−HK$7,600/mo
Today · 4.125%
HK$294,410
baseline
▲ 0.50% · 4.625%
HK$309,929
+HK$15,519/mo
Deposit HK$6.12M · loan HK$55.05M · min. income ≈ HK$588,820/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,599,784 · Scale 2, in force from 26 Feb 2026)