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$140,555
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$144,927
−HK$4,442/mo
Today · 4.125%
HK$149,369
baseline
▲ 0.50% · 4.625%
HK$158,458
+HK$9,089/mo
Deposit HK$30.82M · loan HK$30.82M · min. income ≈ HK$298,738/mo (50% DSR)
Upfront cash ≈ HK$33.44M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,366
−HK$8,448/mo
▼ 0.25% · 3.875%
HK$160,560
−HK$4,254/mo
Today · 4.125%
HK$164,814
baseline
▲ 0.50% · 4.625%
HK$173,502
+HK$8,688/mo
Deposit HK$30.82M · loan HK$30.82M · min. income ≈ HK$329,628/mo (50% DSR)
Upfront cash ≈ HK$33.44M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,666
−HK$10,577/mo
▼ 0.25% · 3.875%
HK$173,912
−HK$5,331/mo
Today · 4.125%
HK$179,243
baseline
▲ 0.50% · 4.625%
HK$190,149
+HK$10,906/mo
Deposit HK$24.66M · loan HK$36.98M · min. income ≈ HK$358,486/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,639
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$192,672
−HK$5,105/mo
Today · 4.125%
HK$197,777
baseline
▲ 0.50% · 4.625%
HK$208,202
+HK$10,425/mo
Deposit HK$24.66M · loan HK$36.98M · min. income ≈ HK$395,554/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,777
−HK$12,340/mo
▼ 0.25% · 3.875%
HK$202,898
−HK$6,219/mo
Today · 4.125%
HK$209,117
baseline
▲ 0.50% · 4.625%
HK$221,841
+HK$12,724/mo
Deposit HK$18.49M · loan HK$43.15M · min. income ≈ HK$418,234/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,912
−HK$11,828/mo
▼ 0.25% · 3.875%
HK$224,784
−HK$5,956/mo
Today · 4.125%
HK$230,740
baseline
▲ 0.50% · 4.625%
HK$242,902
+HK$12,162/mo
Deposit HK$18.49M · loan HK$43.15M · min. income ≈ HK$461,480/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,999
−HK$15,865/mo
▼ 0.25% · 3.875%
HK$260,869
−HK$7,995/mo
Today · 4.125%
HK$268,864
baseline
▲ 0.50% · 4.625%
HK$285,224
+HK$16,360/mo
Deposit HK$6.16M · loan HK$55.48M · min. income ≈ HK$537,728/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,459
−HK$15,206/mo
▼ 0.25% · 3.875%
HK$289,007
−HK$7,658/mo
Today · 4.125%
HK$296,665
baseline
▲ 0.50% · 4.625%
HK$312,303
+HK$15,638/mo
Deposit HK$6.16M · loan HK$55.48M · min. income ≈ HK$593,330/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,619,701 · Scale 2, in force from 26 Feb 2026)