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$137,691
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,974
−HK$4,351/mo
Today · 4.125%
HK$146,325
baseline
▲ 0.50% · 4.625%
HK$155,229
+HK$8,904/mo
Deposit HK$30.19M · loan HK$30.19M · min. income ≈ HK$292,650/mo (50% DSR)
Upfront cash ≈ HK$32.76M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,180
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$157,288
−HK$4,167/mo
Today · 4.125%
HK$161,455
baseline
▲ 0.50% · 4.625%
HK$169,966
+HK$8,511/mo
Deposit HK$30.19M · loan HK$30.19M · min. income ≈ HK$322,910/mo (50% DSR)
Upfront cash ≈ HK$32.76M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,229
−HK$10,361/mo
▼ 0.25% · 3.875%
HK$170,369
−HK$5,221/mo
Today · 4.125%
HK$175,590
baseline
▲ 0.50% · 4.625%
HK$186,275
+HK$10,685/mo
Deposit HK$24.15M · loan HK$36.23M · min. income ≈ HK$351,180/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,816
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$188,745
−HK$5,002/mo
Today · 4.125%
HK$193,747
baseline
▲ 0.50% · 4.625%
HK$203,959
+HK$10,212/mo
Deposit HK$24.15M · loan HK$36.23M · min. income ≈ HK$387,494/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,767
−HK$12,088/mo
▼ 0.25% · 3.875%
HK$198,763
−HK$6,092/mo
Today · 4.125%
HK$204,855
baseline
▲ 0.50% · 4.625%
HK$217,320
+HK$12,465/mo
Deposit HK$18.12M · loan HK$42.27M · min. income ≈ HK$409,710/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,452
−HK$11,586/mo
▼ 0.25% · 3.875%
HK$220,203
−HK$5,835/mo
Today · 4.125%
HK$226,038
baseline
▲ 0.50% · 4.625%
HK$237,952
+HK$11,914/mo
Deposit HK$18.12M · loan HK$42.27M · min. income ≈ HK$452,076/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,844
−HK$15,541/mo
▼ 0.25% · 3.875%
HK$255,553
−HK$7,832/mo
Today · 4.125%
HK$263,385
baseline
▲ 0.50% · 4.625%
HK$279,412
+HK$16,027/mo
Deposit HK$6.04M · loan HK$54.35M · min. income ≈ HK$526,770/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,723
−HK$14,897/mo
▼ 0.25% · 3.875%
HK$283,118
−HK$7,502/mo
Today · 4.125%
HK$290,620
baseline
▲ 0.50% · 4.625%
HK$305,939
+HK$15,319/mo
Deposit HK$6.04M · loan HK$54.35M · min. income ≈ HK$581,240/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$2,566,317 · Scale 2, in force from 26 Feb 2026)