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$140,002
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,357
−HK$4,424/mo
Today · 4.125%
HK$148,781
baseline
▲ 0.50% · 4.625%
HK$157,834
+HK$9,053/mo
Deposit HK$30.70M · loan HK$30.70M · min. income ≈ HK$297,562/mo (50% DSR)
Upfront cash ≈ HK$33.31M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,751
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$159,928
−HK$4,238/mo
Today · 4.125%
HK$164,166
baseline
▲ 0.50% · 4.625%
HK$172,819
+HK$8,653/mo
Deposit HK$30.70M · loan HK$30.70M · min. income ≈ HK$328,332/mo (50% DSR)
Upfront cash ≈ HK$33.31M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,003
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$173,228
−HK$5,310/mo
Today · 4.125%
HK$178,538
baseline
▲ 0.50% · 4.625%
HK$189,401
+HK$10,863/mo
Deposit HK$24.56M · loan HK$36.84M · min. income ≈ HK$357,076/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,901
−HK$10,098/mo
▼ 0.25% · 3.875%
HK$191,914
−HK$5,085/mo
Today · 4.125%
HK$196,999
baseline
▲ 0.50% · 4.625%
HK$207,383
+HK$10,384/mo
Deposit HK$24.56M · loan HK$36.84M · min. income ≈ HK$393,998/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,003
−HK$12,291/mo
▼ 0.25% · 3.875%
HK$202,100
−HK$6,194/mo
Today · 4.125%
HK$208,294
baseline
▲ 0.50% · 4.625%
HK$220,968
+HK$12,674/mo
Deposit HK$18.42M · loan HK$42.98M · min. income ≈ HK$416,588/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,051
−HK$11,781/mo
▼ 0.25% · 3.875%
HK$223,899
−HK$5,933/mo
Today · 4.125%
HK$229,832
baseline
▲ 0.50% · 4.625%
HK$241,947
+HK$12,115/mo
Deposit HK$18.42M · loan HK$42.98M · min. income ≈ HK$459,664/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,004
−HK$15,803/mo
▼ 0.25% · 3.875%
HK$259,843
−HK$7,964/mo
Today · 4.125%
HK$267,807
baseline
▲ 0.50% · 4.625%
HK$284,102
+HK$16,295/mo
Deposit HK$6.14M · loan HK$55.26M · min. income ≈ HK$535,614/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,352
−HK$15,146/mo
▼ 0.25% · 3.875%
HK$287,871
−HK$7,627/mo
Today · 4.125%
HK$295,498
baseline
▲ 0.50% · 4.625%
HK$311,074
+HK$15,576/mo
Deposit HK$6.14M · loan HK$55.26M · min. income ≈ HK$590,996/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$2,609,396 · Scale 2, in force from 26 Feb 2026)