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$140,370
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,736
−HK$4,436/mo
Today · 4.125%
HK$149,172
baseline
▲ 0.50% · 4.625%
HK$158,249
+HK$9,077/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$298,344/mo (50% DSR)
Upfront cash ≈ HK$33.40M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,160
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$160,348
−HK$4,249/mo
Today · 4.125%
HK$164,597
baseline
▲ 0.50% · 4.625%
HK$173,273
+HK$8,676/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$329,194/mo (50% DSR)
Upfront cash ≈ HK$33.40M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,444
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$173,683
−HK$5,324/mo
Today · 4.125%
HK$179,007
baseline
▲ 0.50% · 4.625%
HK$189,899
+HK$10,892/mo
Deposit HK$24.62M · loan HK$36.94M · min. income ≈ HK$358,014/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,392
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,418
−HK$5,098/mo
Today · 4.125%
HK$197,516
baseline
▲ 0.50% · 4.625%
HK$207,928
+HK$10,412/mo
Deposit HK$24.62M · loan HK$36.94M · min. income ≈ HK$395,032/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,518
−HK$12,323/mo
▼ 0.25% · 3.875%
HK$202,631
−HK$6,210/mo
Today · 4.125%
HK$208,841
baseline
▲ 0.50% · 4.625%
HK$221,549
+HK$12,708/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$417,682/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,624
−HK$11,812/mo
▼ 0.25% · 3.875%
HK$224,488
−HK$5,948/mo
Today · 4.125%
HK$230,436
baseline
▲ 0.50% · 4.625%
HK$242,582
+HK$12,146/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$460,872/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,666
−HK$15,844/mo
▼ 0.25% · 3.875%
HK$260,525
−HK$7,985/mo
Today · 4.125%
HK$268,510
baseline
▲ 0.50% · 4.625%
HK$284,848
+HK$16,338/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$537,020/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,088
−HK$15,186/mo
▼ 0.25% · 3.875%
HK$288,627
−HK$7,647/mo
Today · 4.125%
HK$296,274
baseline
▲ 0.50% · 4.625%
HK$311,892
+HK$15,618/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$592,548/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,616,250 · Scale 2, in force from 26 Feb 2026)