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$139,847
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$144,198
−HK$4,419/mo
Today · 4.125%
HK$148,617
baseline
▲ 0.50% · 4.625%
HK$157,660
+HK$9,043/mo
Deposit HK$30.66M · loan HK$30.66M · min. income ≈ HK$297,234/mo (50% DSR)
Upfront cash ≈ HK$33.27M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,579
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$159,751
−HK$4,233/mo
Today · 4.125%
HK$163,984
baseline
▲ 0.50% · 4.625%
HK$172,628
+HK$8,644/mo
Deposit HK$30.66M · loan HK$30.66M · min. income ≈ HK$327,968/mo (50% DSR)
Upfront cash ≈ HK$33.27M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,817
−HK$10,524/mo
▼ 0.25% · 3.875%
HK$173,037
−HK$5,304/mo
Today · 4.125%
HK$178,341
baseline
▲ 0.50% · 4.625%
HK$189,192
+HK$10,851/mo
Deposit HK$24.53M · loan HK$36.80M · min. income ≈ HK$356,682/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,695
−HK$10,086/mo
▼ 0.25% · 3.875%
HK$191,702
−HK$5,079/mo
Today · 4.125%
HK$196,781
baseline
▲ 0.50% · 4.625%
HK$207,154
+HK$10,373/mo
Deposit HK$24.53M · loan HK$36.80M · min. income ≈ HK$393,562/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,786
−HK$12,278/mo
▼ 0.25% · 3.875%
HK$201,877
−HK$6,187/mo
Today · 4.125%
HK$208,064
baseline
▲ 0.50% · 4.625%
HK$220,724
+HK$12,660/mo
Deposit HK$18.40M · loan HK$42.93M · min. income ≈ HK$416,128/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,810
−HK$11,768/mo
▼ 0.25% · 3.875%
HK$223,652
−HK$5,926/mo
Today · 4.125%
HK$229,578
baseline
▲ 0.50% · 4.625%
HK$241,679
+HK$12,101/mo
Deposit HK$18.40M · loan HK$42.93M · min. income ≈ HK$459,156/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,725
−HK$15,786/mo
▼ 0.25% · 3.875%
HK$259,556
−HK$7,955/mo
Today · 4.125%
HK$267,511
baseline
▲ 0.50% · 4.625%
HK$283,788
+HK$16,277/mo
Deposit HK$6.13M · loan HK$55.20M · min. income ≈ HK$535,022/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,042
−HK$15,130/mo
▼ 0.25% · 3.875%
HK$287,553
−HK$7,619/mo
Today · 4.125%
HK$295,172
baseline
▲ 0.50% · 4.625%
HK$310,731
+HK$15,559/mo
Deposit HK$6.13M · loan HK$55.20M · min. income ≈ HK$590,344/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,606,513 · Scale 2, in force from 26 Feb 2026)