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$139,783
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$144,131
−HK$4,418/mo
Today · 4.125%
HK$148,549
baseline
▲ 0.50% · 4.625%
HK$157,587
+HK$9,038/mo
Deposit HK$30.65M · loan HK$30.65M · min. income ≈ HK$297,098/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,507
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$159,678
−HK$4,231/mo
Today · 4.125%
HK$163,909
baseline
▲ 0.50% · 4.625%
HK$172,548
+HK$8,639/mo
Deposit HK$30.65M · loan HK$30.65M · min. income ≈ HK$327,818/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,739
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$172,957
−HK$5,301/mo
Today · 4.125%
HK$178,258
baseline
▲ 0.50% · 4.625%
HK$189,105
+HK$10,847/mo
Deposit HK$24.52M · loan HK$36.78M · min. income ≈ HK$356,516/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,608
−HK$10,082/mo
▼ 0.25% · 3.875%
HK$191,613
−HK$5,077/mo
Today · 4.125%
HK$196,690
baseline
▲ 0.50% · 4.625%
HK$207,058
+HK$10,368/mo
Deposit HK$24.52M · loan HK$36.78M · min. income ≈ HK$393,380/mo (50% DSR)
Upfront cash ≈ HK$27.13M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,696
−HK$12,272/mo
▼ 0.25% · 3.875%
HK$201,783
−HK$6,185/mo
Today · 4.125%
HK$207,968
baseline
▲ 0.50% · 4.625%
HK$220,622
+HK$12,654/mo
Deposit HK$18.39M · loan HK$42.91M · min. income ≈ HK$415,936/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,710
−HK$11,762/mo
▼ 0.25% · 3.875%
HK$223,549
−HK$5,923/mo
Today · 4.125%
HK$229,472
baseline
▲ 0.50% · 4.625%
HK$241,568
+HK$12,096/mo
Deposit HK$18.39M · loan HK$42.91M · min. income ≈ HK$458,944/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,609
−HK$15,778/mo
▼ 0.25% · 3.875%
HK$259,436
−HK$7,951/mo
Today · 4.125%
HK$267,387
baseline
▲ 0.50% · 4.625%
HK$283,657
+HK$16,270/mo
Deposit HK$6.13M · loan HK$55.17M · min. income ≈ HK$534,774/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,913
−HK$15,123/mo
▼ 0.25% · 3.875%
HK$287,420
−HK$7,616/mo
Today · 4.125%
HK$295,036
baseline
▲ 0.50% · 4.625%
HK$310,587
+HK$15,551/mo
Deposit HK$6.13M · loan HK$55.17M · min. income ≈ HK$590,072/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,605,310 · Scale 2, in force from 26 Feb 2026)