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$140,566
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$144,939
−HK$4,442/mo
Today · 4.125%
HK$149,381
baseline
▲ 0.50% · 4.625%
HK$158,470
+HK$9,089/mo
Deposit HK$30.82M · loan HK$30.82M · min. income ≈ HK$298,762/mo (50% DSR)
Upfront cash ≈ HK$33.44M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,378
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$160,572
−HK$4,255/mo
Today · 4.125%
HK$164,827
baseline
▲ 0.50% · 4.625%
HK$173,515
+HK$8,688/mo
Deposit HK$30.82M · loan HK$30.82M · min. income ≈ HK$329,654/mo (50% DSR)
Upfront cash ≈ HK$33.44M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,679
−HK$10,578/mo
▼ 0.25% · 3.875%
HK$173,926
−HK$5,331/mo
Today · 4.125%
HK$179,257
baseline
▲ 0.50% · 4.625%
HK$190,164
+HK$10,907/mo
Deposit HK$24.66M · loan HK$36.99M · min. income ≈ HK$358,514/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,654
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$192,687
−HK$5,105/mo
Today · 4.125%
HK$197,792
baseline
▲ 0.50% · 4.625%
HK$208,218
+HK$10,426/mo
Deposit HK$24.66M · loan HK$36.99M · min. income ≈ HK$395,584/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,793
−HK$12,340/mo
▼ 0.25% · 3.875%
HK$202,914
−HK$6,219/mo
Today · 4.125%
HK$209,133
baseline
▲ 0.50% · 4.625%
HK$221,858
+HK$12,725/mo
Deposit HK$18.49M · loan HK$43.15M · min. income ≈ HK$418,266/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,930
−HK$11,828/mo
▼ 0.25% · 3.875%
HK$224,801
−HK$5,957/mo
Today · 4.125%
HK$230,758
baseline
▲ 0.50% · 4.625%
HK$242,921
+HK$12,163/mo
Deposit HK$18.49M · loan HK$43.15M · min. income ≈ HK$461,516/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,019
−HK$15,867/mo
▼ 0.25% · 3.875%
HK$260,889
−HK$7,997/mo
Today · 4.125%
HK$268,886
baseline
▲ 0.50% · 4.625%
HK$285,247
+HK$16,361/mo
Deposit HK$6.16M · loan HK$55.48M · min. income ≈ HK$537,772/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,481
−HK$15,208/mo
▼ 0.25% · 3.875%
HK$289,030
−HK$7,659/mo
Today · 4.125%
HK$296,689
baseline
▲ 0.50% · 4.625%
HK$312,328
+HK$15,639/mo
Deposit HK$6.16M · loan HK$55.48M · min. income ≈ HK$593,378/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,619,908 · Scale 2, in force from 26 Feb 2026)