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$140,341
−HK$8,800/mo
▼ 0.25% · 3.875%
HK$144,706
−HK$4,435/mo
Today · 4.125%
HK$149,141
baseline
▲ 0.50% · 4.625%
HK$158,216
+HK$9,075/mo
Deposit HK$30.77M · loan HK$30.77M · min. income ≈ HK$298,282/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,128
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,315
−HK$4,248/mo
Today · 4.125%
HK$164,563
baseline
▲ 0.50% · 4.625%
HK$173,237
+HK$8,674/mo
Deposit HK$30.77M · loan HK$30.77M · min. income ≈ HK$329,126/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,409
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$173,647
−HK$5,322/mo
Today · 4.125%
HK$178,969
baseline
▲ 0.50% · 4.625%
HK$189,859
+HK$10,890/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$357,938/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,353
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$192,378
−HK$5,097/mo
Today · 4.125%
HK$197,475
baseline
▲ 0.50% · 4.625%
HK$207,884
+HK$10,409/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$394,950/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,477
−HK$12,321/mo
▼ 0.25% · 3.875%
HK$202,588
−HK$6,210/mo
Today · 4.125%
HK$208,798
baseline
▲ 0.50% · 4.625%
HK$221,503
+HK$12,705/mo
Deposit HK$18.46M · loan HK$43.08M · min. income ≈ HK$417,596/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,579
−HK$11,809/mo
▼ 0.25% · 3.875%
HK$224,441
−HK$5,947/mo
Today · 4.125%
HK$230,388
baseline
▲ 0.50% · 4.625%
HK$242,532
+HK$12,144/mo
Deposit HK$18.46M · loan HK$43.08M · min. income ≈ HK$460,776/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,613
−HK$15,841/mo
▼ 0.25% · 3.875%
HK$260,471
−HK$7,983/mo
Today · 4.125%
HK$268,454
baseline
▲ 0.50% · 4.625%
HK$284,789
+HK$16,335/mo
Deposit HK$6.15M · loan HK$55.39M · min. income ≈ HK$536,908/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,030
−HK$15,183/mo
▼ 0.25% · 3.875%
HK$288,567
−HK$7,646/mo
Today · 4.125%
HK$296,213
baseline
▲ 0.50% · 4.625%
HK$311,827
+HK$15,614/mo
Deposit HK$6.15M · loan HK$55.39M · min. income ≈ HK$592,426/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,705 · Scale 2, in force from 26 Feb 2026)