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$139,099
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,426
−HK$4,396/mo
Today · 4.125%
HK$147,822
baseline
▲ 0.50% · 4.625%
HK$156,816
+HK$8,994/mo
Deposit HK$30.50M · loan HK$30.50M · min. income ≈ HK$295,644/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,746
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$158,896
−HK$4,211/mo
Today · 4.125%
HK$163,107
baseline
▲ 0.50% · 4.625%
HK$171,704
+HK$8,597/mo
Deposit HK$30.50M · loan HK$30.50M · min. income ≈ HK$326,214/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,919
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$172,111
−HK$5,275/mo
Today · 4.125%
HK$177,386
baseline
▲ 0.50% · 4.625%
HK$188,179
+HK$10,793/mo
Deposit HK$24.40M · loan HK$36.60M · min. income ≈ HK$354,772/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,695
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$190,676
−HK$5,052/mo
Today · 4.125%
HK$195,728
baseline
▲ 0.50% · 4.625%
HK$206,045
+HK$10,317/mo
Deposit HK$24.40M · loan HK$36.60M · min. income ≈ HK$391,456/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,738
−HK$12,212/mo
▼ 0.25% · 3.875%
HK$200,796
−HK$6,154/mo
Today · 4.125%
HK$206,950
baseline
▲ 0.50% · 4.625%
HK$219,543
+HK$12,593/mo
Deposit HK$18.30M · loan HK$42.70M · min. income ≈ HK$413,900/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,645
−HK$11,704/mo
▼ 0.25% · 3.875%
HK$222,455
−HK$5,894/mo
Today · 4.125%
HK$228,349
baseline
▲ 0.50% · 4.625%
HK$240,386
+HK$12,037/mo
Deposit HK$18.30M · loan HK$42.70M · min. income ≈ HK$456,698/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,378
−HK$15,701/mo
▼ 0.25% · 3.875%
HK$258,166
−HK$7,913/mo
Today · 4.125%
HK$266,079
baseline
▲ 0.50% · 4.625%
HK$282,269
+HK$16,190/mo
Deposit HK$6.10M · loan HK$54.90M · min. income ≈ HK$532,158/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,543
−HK$15,049/mo
▼ 0.25% · 3.875%
HK$286,013
−HK$7,579/mo
Today · 4.125%
HK$293,592
baseline
▲ 0.50% · 4.625%
HK$309,067
+HK$15,475/mo
Deposit HK$6.10M · loan HK$54.90M · min. income ≈ HK$587,184/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,592,560 · Scale 2, in force from 26 Feb 2026)