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$139,588
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$143,930
−HK$4,411/mo
Today · 4.125%
HK$148,341
baseline
▲ 0.50% · 4.625%
HK$157,367
+HK$9,026/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$296,682/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,290
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,455
−HK$4,225/mo
Today · 4.125%
HK$163,680
baseline
▲ 0.50% · 4.625%
HK$172,307
+HK$8,627/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$327,360/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,505
−HK$10,504/mo
▼ 0.25% · 3.875%
HK$172,716
−HK$5,293/mo
Today · 4.125%
HK$178,009
baseline
▲ 0.50% · 4.625%
HK$188,841
+HK$10,832/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$356,018/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,348
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$191,346
−HK$5,070/mo
Today · 4.125%
HK$196,416
baseline
▲ 0.50% · 4.625%
HK$206,769
+HK$10,353/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$392,832/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,423
−HK$12,254/mo
▼ 0.25% · 3.875%
HK$201,501
−HK$6,176/mo
Today · 4.125%
HK$207,677
baseline
▲ 0.50% · 4.625%
HK$220,314
+HK$12,637/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$415,354/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,406
−HK$11,746/mo
▼ 0.25% · 3.875%
HK$223,237
−HK$5,915/mo
Today · 4.125%
HK$229,152
baseline
▲ 0.50% · 4.625%
HK$241,230
+HK$12,078/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$458,304/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,258
−HK$15,756/mo
▼ 0.25% · 3.875%
HK$259,073
−HK$7,941/mo
Today · 4.125%
HK$267,014
baseline
▲ 0.50% · 4.625%
HK$283,261
+HK$16,247/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$534,028/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,522
−HK$15,101/mo
▼ 0.25% · 3.875%
HK$287,018
−HK$7,605/mo
Today · 4.125%
HK$294,623
baseline
▲ 0.50% · 4.625%
HK$310,153
+HK$15,530/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$589,246/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,671 · Scale 2, in force from 26 Feb 2026)