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$136,741
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$140,995
−HK$4,321/mo
Today · 4.125%
HK$145,316
baseline
▲ 0.50% · 4.625%
HK$154,158
+HK$8,842/mo
Deposit HK$29.98M · loan HK$29.98M · min. income ≈ HK$290,632/mo (50% DSR)
Upfront cash ≈ HK$32.53M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,123
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$156,203
−HK$4,139/mo
Today · 4.125%
HK$160,342
baseline
▲ 0.50% · 4.625%
HK$168,794
+HK$8,452/mo
Deposit HK$29.98M · loan HK$29.98M · min. income ≈ HK$320,684/mo (50% DSR)
Upfront cash ≈ HK$32.53M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,090
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$169,194
−HK$5,186/mo
Today · 4.125%
HK$174,380
baseline
▲ 0.50% · 4.625%
HK$184,990
+HK$10,610/mo
Deposit HK$23.99M · loan HK$35.98M · min. income ≈ HK$348,760/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,548
−HK$9,863/mo
▼ 0.25% · 3.875%
HK$187,444
−HK$4,967/mo
Today · 4.125%
HK$192,411
baseline
▲ 0.50% · 4.625%
HK$202,553
+HK$10,142/mo
Deposit HK$23.99M · loan HK$35.98M · min. income ≈ HK$384,822/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,438
−HK$12,005/mo
▼ 0.25% · 3.875%
HK$197,393
−HK$6,050/mo
Today · 4.125%
HK$203,443
baseline
▲ 0.50% · 4.625%
HK$215,822
+HK$12,379/mo
Deposit HK$17.99M · loan HK$41.98M · min. income ≈ HK$406,886/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,973
−HK$11,506/mo
▼ 0.25% · 3.875%
HK$218,685
−HK$5,794/mo
Today · 4.125%
HK$224,479
baseline
▲ 0.50% · 4.625%
HK$236,312
+HK$11,833/mo
Deposit HK$17.99M · loan HK$41.98M · min. income ≈ HK$448,958/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,135
−HK$15,434/mo
▼ 0.25% · 3.875%
HK$253,791
−HK$7,778/mo
Today · 4.125%
HK$261,569
baseline
▲ 0.50% · 4.625%
HK$277,485
+HK$15,916/mo
Deposit HK$6.00M · loan HK$53.97M · min. income ≈ HK$523,138/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,822
−HK$14,794/mo
▼ 0.25% · 3.875%
HK$281,166
−HK$7,450/mo
Today · 4.125%
HK$288,616
baseline
▲ 0.50% · 4.625%
HK$303,829
+HK$15,213/mo
Deposit HK$6.00M · loan HK$53.97M · min. income ≈ HK$577,232/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,548,622 · Scale 2, in force from 26 Feb 2026)