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$140,948
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$145,333
−HK$4,454/mo
Today · 4.125%
HK$149,787
baseline
▲ 0.50% · 4.625%
HK$158,901
+HK$9,114/mo
Deposit HK$30.91M · loan HK$30.91M · min. income ≈ HK$299,574/mo (50% DSR)
Upfront cash ≈ HK$33.53M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,804
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$161,009
−HK$4,266/mo
Today · 4.125%
HK$165,275
baseline
▲ 0.50% · 4.625%
HK$173,987
+HK$8,712/mo
Deposit HK$30.91M · loan HK$30.91M · min. income ≈ HK$330,550/mo (50% DSR)
Upfront cash ≈ HK$33.53M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,138
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$174,399
−HK$5,345/mo
Today · 4.125%
HK$179,744
baseline
▲ 0.50% · 4.625%
HK$190,681
+HK$10,937/mo
Deposit HK$24.72M · loan HK$37.09M · min. income ≈ HK$359,488/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,164
−HK$10,166/mo
▼ 0.25% · 3.875%
HK$193,211
−HK$5,119/mo
Today · 4.125%
HK$198,330
baseline
▲ 0.50% · 4.625%
HK$208,785
+HK$10,455/mo
Deposit HK$24.72M · loan HK$37.09M · min. income ≈ HK$396,660/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,328
−HK$12,374/mo
▼ 0.25% · 3.875%
HK$203,466
−HK$6,236/mo
Today · 4.125%
HK$209,702
baseline
▲ 0.50% · 4.625%
HK$222,462
+HK$12,760/mo
Deposit HK$18.54M · loan HK$43.27M · min. income ≈ HK$419,404/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,525
−HK$11,860/mo
▼ 0.25% · 3.875%
HK$225,413
−HK$5,972/mo
Today · 4.125%
HK$231,385
baseline
▲ 0.50% · 4.625%
HK$243,582
+HK$12,197/mo
Deposit HK$18.54M · loan HK$43.27M · min. income ≈ HK$462,770/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,707
−HK$15,910/mo
▼ 0.25% · 3.875%
HK$261,599
−HK$8,018/mo
Today · 4.125%
HK$269,617
baseline
▲ 0.50% · 4.625%
HK$286,022
+HK$16,405/mo
Deposit HK$6.18M · loan HK$55.63M · min. income ≈ HK$539,234/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,247
−HK$15,248/mo
▼ 0.25% · 3.875%
HK$289,816
−HK$7,679/mo
Today · 4.125%
HK$297,495
baseline
▲ 0.50% · 4.625%
HK$313,177
+HK$15,682/mo
Deposit HK$6.18M · loan HK$55.63M · min. income ≈ HK$594,990/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,627,032 · Scale 2, in force from 26 Feb 2026)