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$140,495
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$144,865
−HK$4,440/mo
Today · 4.125%
HK$149,305
baseline
▲ 0.50% · 4.625%
HK$158,390
+HK$9,085/mo
Deposit HK$30.81M · loan HK$30.81M · min. income ≈ HK$298,610/mo (50% DSR)
Upfront cash ≈ HK$33.43M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,299
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$160,491
−HK$4,252/mo
Today · 4.125%
HK$164,743
baseline
▲ 0.50% · 4.625%
HK$173,427
+HK$8,684/mo
Deposit HK$30.81M · loan HK$30.81M · min. income ≈ HK$329,486/mo (50% DSR)
Upfront cash ≈ HK$33.43M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,594
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$173,838
−HK$5,328/mo
Today · 4.125%
HK$179,166
baseline
▲ 0.50% · 4.625%
HK$190,068
+HK$10,902/mo
Deposit HK$24.65M · loan HK$36.97M · min. income ≈ HK$358,332/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,559
−HK$10,133/mo
▼ 0.25% · 3.875%
HK$192,589
−HK$5,103/mo
Today · 4.125%
HK$197,692
baseline
▲ 0.50% · 4.625%
HK$208,113
+HK$10,421/mo
Deposit HK$24.65M · loan HK$36.97M · min. income ≈ HK$395,384/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,693
−HK$12,334/mo
▼ 0.25% · 3.875%
HK$202,811
−HK$6,216/mo
Today · 4.125%
HK$209,027
baseline
▲ 0.50% · 4.625%
HK$221,746
+HK$12,719/mo
Deposit HK$18.48M · loan HK$43.13M · min. income ≈ HK$418,054/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,819
−HK$11,822/mo
▼ 0.25% · 3.875%
HK$224,687
−HK$5,954/mo
Today · 4.125%
HK$230,641
baseline
▲ 0.50% · 4.625%
HK$242,798
+HK$12,157/mo
Deposit HK$18.48M · loan HK$43.13M · min. income ≈ HK$461,282/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,890
−HK$15,859/mo
▼ 0.25% · 3.875%
HK$260,757
−HK$7,992/mo
Today · 4.125%
HK$268,749
baseline
▲ 0.50% · 4.625%
HK$285,102
+HK$16,353/mo
Deposit HK$6.16M · loan HK$55.45M · min. income ≈ HK$537,498/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,338
−HK$15,200/mo
▼ 0.25% · 3.875%
HK$288,883
−HK$7,655/mo
Today · 4.125%
HK$296,538
baseline
▲ 0.50% · 4.625%
HK$312,169
+HK$15,631/mo
Deposit HK$6.16M · loan HK$55.45M · min. income ≈ HK$593,076/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,618,577 · Scale 2, in force from 26 Feb 2026)