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$140,364
−HK$8,803/mo
▼ 0.25% · 3.875%
HK$144,731
−HK$4,436/mo
Today · 4.125%
HK$149,167
baseline
▲ 0.50% · 4.625%
HK$158,243
+HK$9,076/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$298,334/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,154
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$160,342
−HK$4,249/mo
Today · 4.125%
HK$164,591
baseline
▲ 0.50% · 4.625%
HK$173,266
+HK$8,675/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$329,182/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,437
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$173,677
−HK$5,323/mo
Today · 4.125%
HK$179,000
baseline
▲ 0.50% · 4.625%
HK$189,892
+HK$10,892/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$358,000/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,385
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,410
−HK$5,099/mo
Today · 4.125%
HK$197,509
baseline
▲ 0.50% · 4.625%
HK$207,920
+HK$10,411/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$395,018/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,510
−HK$12,323/mo
▼ 0.25% · 3.875%
HK$202,623
−HK$6,210/mo
Today · 4.125%
HK$208,833
baseline
▲ 0.50% · 4.625%
HK$221,540
+HK$12,707/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$417,666/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,616
−HK$11,811/mo
▼ 0.25% · 3.875%
HK$224,479
−HK$5,948/mo
Today · 4.125%
HK$230,427
baseline
▲ 0.50% · 4.625%
HK$242,573
+HK$12,146/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$460,854/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,656
−HK$15,844/mo
▼ 0.25% · 3.875%
HK$260,515
−HK$7,985/mo
Today · 4.125%
HK$268,500
baseline
▲ 0.50% · 4.625%
HK$284,837
+HK$16,337/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$537,000/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,077
−HK$15,186/mo
▼ 0.25% · 3.875%
HK$288,616
−HK$7,647/mo
Today · 4.125%
HK$296,263
baseline
▲ 0.50% · 4.625%
HK$311,879
+HK$15,616/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$592,526/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,616,149 · Scale 2, in force from 26 Feb 2026)