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$140,106
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,464
−HK$4,428/mo
Today · 4.125%
HK$148,892
baseline
▲ 0.50% · 4.625%
HK$157,951
+HK$9,059/mo
Deposit HK$30.72M · loan HK$30.72M · min. income ≈ HK$297,784/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,866
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$160,047
−HK$4,240/mo
Today · 4.125%
HK$164,287
baseline
▲ 0.50% · 4.625%
HK$172,947
+HK$8,660/mo
Deposit HK$30.72M · loan HK$30.72M · min. income ≈ HK$328,574/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,127
−HK$10,543/mo
▼ 0.25% · 3.875%
HK$173,357
−HK$5,313/mo
Today · 4.125%
HK$178,670
baseline
▲ 0.50% · 4.625%
HK$189,542
+HK$10,872/mo
Deposit HK$24.58M · loan HK$36.87M · min. income ≈ HK$357,340/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,040
−HK$10,105/mo
▼ 0.25% · 3.875%
HK$192,056
−HK$5,089/mo
Today · 4.125%
HK$197,145
baseline
▲ 0.50% · 4.625%
HK$207,537
+HK$10,392/mo
Deposit HK$24.58M · loan HK$36.87M · min. income ≈ HK$394,290/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,148
−HK$12,300/mo
▼ 0.25% · 3.875%
HK$202,250
−HK$6,198/mo
Today · 4.125%
HK$208,448
baseline
▲ 0.50% · 4.625%
HK$221,132
+HK$12,684/mo
Deposit HK$18.43M · loan HK$43.01M · min. income ≈ HK$416,896/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,213
−HK$11,789/mo
▼ 0.25% · 3.875%
HK$224,065
−HK$5,937/mo
Today · 4.125%
HK$230,002
baseline
▲ 0.50% · 4.625%
HK$242,126
+HK$12,124/mo
Deposit HK$18.43M · loan HK$43.01M · min. income ≈ HK$460,004/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,191
−HK$15,814/mo
▼ 0.25% · 3.875%
HK$260,035
−HK$7,970/mo
Today · 4.125%
HK$268,005
baseline
▲ 0.50% · 4.625%
HK$284,313
+HK$16,308/mo
Deposit HK$6.14M · loan HK$55.30M · min. income ≈ HK$536,010/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,559
−HK$15,158/mo
▼ 0.25% · 3.875%
HK$288,084
−HK$7,633/mo
Today · 4.125%
HK$295,717
baseline
▲ 0.50% · 4.625%
HK$311,305
+HK$15,588/mo
Deposit HK$6.14M · loan HK$55.30M · min. income ≈ HK$591,434/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,611,329 · Scale 2, in force from 26 Feb 2026)