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$139,561
−HK$8,752/mo
▼ 0.25% · 3.875%
HK$143,902
−HK$4,411/mo
Today · 4.125%
HK$148,313
baseline
▲ 0.50% · 4.625%
HK$157,337
+HK$9,024/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$296,626/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,260
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$159,424
−HK$4,224/mo
Today · 4.125%
HK$163,648
baseline
▲ 0.50% · 4.625%
HK$172,274
+HK$8,626/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$327,296/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,473
−HK$10,502/mo
▼ 0.25% · 3.875%
HK$172,682
−HK$5,293/mo
Today · 4.125%
HK$177,975
baseline
▲ 0.50% · 4.625%
HK$188,805
+HK$10,830/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$355,950/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,312
−HK$10,066/mo
▼ 0.25% · 3.875%
HK$191,309
−HK$5,069/mo
Today · 4.125%
HK$196,378
baseline
▲ 0.50% · 4.625%
HK$206,729
+HK$10,351/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$392,756/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,385
−HK$12,253/mo
▼ 0.25% · 3.875%
HK$201,463
−HK$6,175/mo
Today · 4.125%
HK$207,638
baseline
▲ 0.50% · 4.625%
HK$220,272
+HK$12,634/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$415,276/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,364
−HK$11,744/mo
▼ 0.25% · 3.875%
HK$223,194
−HK$5,914/mo
Today · 4.125%
HK$229,108
baseline
▲ 0.50% · 4.625%
HK$241,184
+HK$12,076/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$458,216/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,210
−HK$15,753/mo
▼ 0.25% · 3.875%
HK$259,024
−HK$7,939/mo
Today · 4.125%
HK$266,963
baseline
▲ 0.50% · 4.625%
HK$283,207
+HK$16,244/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$533,926/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,468
−HK$15,099/mo
▼ 0.25% · 3.875%
HK$286,963
−HK$7,604/mo
Today · 4.125%
HK$294,567
baseline
▲ 0.50% · 4.625%
HK$310,094
+HK$15,527/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$589,134/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,173 · Scale 2, in force from 26 Feb 2026)