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$137,365
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$141,638
−HK$4,341/mo
Today · 4.125%
HK$145,979
baseline
▲ 0.50% · 4.625%
HK$154,862
+HK$8,883/mo
Deposit HK$30.12M · loan HK$30.12M · min. income ≈ HK$291,958/mo (50% DSR)
Upfront cash ≈ HK$32.68M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,817
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,916
−HK$4,158/mo
Today · 4.125%
HK$161,074
baseline
▲ 0.50% · 4.625%
HK$169,564
+HK$8,490/mo
Deposit HK$30.12M · loan HK$30.12M · min. income ≈ HK$322,148/mo (50% DSR)
Upfront cash ≈ HK$32.68M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,838
−HK$10,337/mo
▼ 0.25% · 3.875%
HK$169,966
−HK$5,209/mo
Today · 4.125%
HK$175,175
baseline
▲ 0.50% · 4.625%
HK$185,834
+HK$10,659/mo
Deposit HK$24.10M · loan HK$36.14M · min. income ≈ HK$350,350/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,381
−HK$9,907/mo
▼ 0.25% · 3.875%
HK$188,299
−HK$4,989/mo
Today · 4.125%
HK$193,288
baseline
▲ 0.50% · 4.625%
HK$203,477
+HK$10,189/mo
Deposit HK$24.10M · loan HK$36.14M · min. income ≈ HK$386,576/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,311
−HK$12,060/mo
▼ 0.25% · 3.875%
HK$198,293
−HK$6,078/mo
Today · 4.125%
HK$204,371
baseline
▲ 0.50% · 4.625%
HK$216,806
+HK$12,435/mo
Deposit HK$18.07M · loan HK$42.17M · min. income ≈ HK$408,742/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,944
−HK$11,559/mo
▼ 0.25% · 3.875%
HK$219,682
−HK$5,821/mo
Today · 4.125%
HK$225,503
baseline
▲ 0.50% · 4.625%
HK$237,390
+HK$11,887/mo
Deposit HK$18.07M · loan HK$42.17M · min. income ≈ HK$451,006/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,257
−HK$15,506/mo
▼ 0.25% · 3.875%
HK$254,949
−HK$7,814/mo
Today · 4.125%
HK$262,763
baseline
▲ 0.50% · 4.625%
HK$278,751
+HK$15,988/mo
Deposit HK$6.02M · loan HK$54.22M · min. income ≈ HK$525,526/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,071
−HK$14,862/mo
▼ 0.25% · 3.875%
HK$282,449
−HK$7,484/mo
Today · 4.125%
HK$289,933
baseline
▲ 0.50% · 4.625%
HK$305,215
+HK$15,282/mo
Deposit HK$6.02M · loan HK$54.22M · min. income ≈ HK$579,866/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$2,560,249 · Scale 2, in force from 26 Feb 2026)