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$137,714
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$141,998
−HK$4,352/mo
Today · 4.125%
HK$146,350
baseline
▲ 0.50% · 4.625%
HK$155,255
+HK$8,905/mo
Deposit HK$30.20M · loan HK$30.20M · min. income ≈ HK$292,700/mo (50% DSR)
Upfront cash ≈ HK$32.76M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,206
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$157,315
−HK$4,168/mo
Today · 4.125%
HK$161,483
baseline
▲ 0.50% · 4.625%
HK$169,995
+HK$8,512/mo
Deposit HK$30.20M · loan HK$30.20M · min. income ≈ HK$322,966/mo (50% DSR)
Upfront cash ≈ HK$32.76M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,257
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$170,398
−HK$5,222/mo
Today · 4.125%
HK$175,620
baseline
▲ 0.50% · 4.625%
HK$186,306
+HK$10,686/mo
Deposit HK$24.16M · loan HK$36.24M · min. income ≈ HK$351,240/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,847
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$188,778
−HK$5,002/mo
Today · 4.125%
HK$193,780
baseline
▲ 0.50% · 4.625%
HK$203,994
+HK$10,214/mo
Deposit HK$24.16M · loan HK$36.24M · min. income ≈ HK$387,560/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,800
−HK$12,090/mo
▼ 0.25% · 3.875%
HK$198,797
−HK$6,093/mo
Today · 4.125%
HK$204,890
baseline
▲ 0.50% · 4.625%
HK$217,357
+HK$12,467/mo
Deposit HK$18.12M · loan HK$42.28M · min. income ≈ HK$409,780/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,488
−HK$11,588/mo
▼ 0.25% · 3.875%
HK$220,241
−HK$5,835/mo
Today · 4.125%
HK$226,076
baseline
▲ 0.50% · 4.625%
HK$237,993
+HK$11,917/mo
Deposit HK$18.12M · loan HK$42.28M · min. income ≈ HK$452,152/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,886
−HK$15,544/mo
▼ 0.25% · 3.875%
HK$255,596
−HK$7,834/mo
Today · 4.125%
HK$263,430
baseline
▲ 0.50% · 4.625%
HK$279,459
+HK$16,029/mo
Deposit HK$6.04M · loan HK$54.35M · min. income ≈ HK$526,860/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,770
−HK$14,899/mo
▼ 0.25% · 3.875%
HK$283,166
−HK$7,503/mo
Today · 4.125%
HK$290,669
baseline
▲ 0.50% · 4.625%
HK$305,991
+HK$15,322/mo
Deposit HK$6.04M · loan HK$54.35M · min. income ≈ HK$581,338/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,566,754 · Scale 2, in force from 26 Feb 2026)