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$140,218
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$144,579
−HK$4,432/mo
Today · 4.125%
HK$149,011
baseline
▲ 0.50% · 4.625%
HK$158,078
+HK$9,067/mo
Deposit HK$30.75M · loan HK$30.75M · min. income ≈ HK$298,022/mo (50% DSR)
Upfront cash ≈ HK$33.36M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,991
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$160,174
−HK$4,245/mo
Today · 4.125%
HK$164,419
baseline
▲ 0.50% · 4.625%
HK$173,085
+HK$8,666/mo
Deposit HK$30.75M · loan HK$30.75M · min. income ≈ HK$328,838/mo (50% DSR)
Upfront cash ≈ HK$33.36M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,261
−HK$10,552/mo
▼ 0.25% · 3.875%
HK$173,495
−HK$5,318/mo
Today · 4.125%
HK$178,813
baseline
▲ 0.50% · 4.625%
HK$189,693
+HK$10,880/mo
Deposit HK$24.60M · loan HK$36.90M · min. income ≈ HK$357,626/mo (50% DSR)
Upfront cash ≈ HK$27.21M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,189
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$192,209
−HK$5,093/mo
Today · 4.125%
HK$197,302
baseline
▲ 0.50% · 4.625%
HK$207,702
+HK$10,400/mo
Deposit HK$24.60M · loan HK$36.90M · min. income ≈ HK$394,604/mo (50% DSR)
Upfront cash ≈ HK$27.21M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,305
−HK$12,310/mo
▼ 0.25% · 3.875%
HK$202,411
−HK$6,204/mo
Today · 4.125%
HK$208,615
baseline
▲ 0.50% · 4.625%
HK$221,309
+HK$12,694/mo
Deposit HK$18.45M · loan HK$43.04M · min. income ≈ HK$417,230/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,387
−HK$11,799/mo
▼ 0.25% · 3.875%
HK$224,244
−HK$5,942/mo
Today · 4.125%
HK$230,186
baseline
▲ 0.50% · 4.625%
HK$242,319
+HK$12,133/mo
Deposit HK$18.45M · loan HK$43.04M · min. income ≈ HK$460,372/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,392
−HK$15,827/mo
▼ 0.25% · 3.875%
HK$260,243
−HK$7,976/mo
Today · 4.125%
HK$268,219
baseline
▲ 0.50% · 4.625%
HK$284,540
+HK$16,321/mo
Deposit HK$6.15M · loan HK$55.34M · min. income ≈ HK$536,438/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,783
−HK$15,170/mo
▼ 0.25% · 3.875%
HK$288,314
−HK$7,639/mo
Today · 4.125%
HK$295,953
baseline
▲ 0.50% · 4.625%
HK$311,553
+HK$15,600/mo
Deposit HK$6.15M · loan HK$55.34M · min. income ≈ HK$591,906/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,613,414 · Scale 2, in force from 26 Feb 2026)