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$138,704
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,019
−HK$4,383/mo
Today · 4.125%
HK$147,402
baseline
▲ 0.50% · 4.625%
HK$156,371
+HK$8,969/mo
Deposit HK$30.41M · loan HK$30.41M · min. income ≈ HK$294,804/mo (50% DSR)
Upfront cash ≈ HK$33.00M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,307
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$158,446
−HK$4,198/mo
Today · 4.125%
HK$162,644
baseline
▲ 0.50% · 4.625%
HK$171,217
+HK$8,573/mo
Deposit HK$30.41M · loan HK$30.41M · min. income ≈ HK$325,288/mo (50% DSR)
Upfront cash ≈ HK$33.00M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,445
−HK$10,438/mo
▼ 0.25% · 3.875%
HK$171,623
−HK$5,260/mo
Today · 4.125%
HK$176,883
baseline
▲ 0.50% · 4.625%
HK$187,646
+HK$10,763/mo
Deposit HK$24.33M · loan HK$36.50M · min. income ≈ HK$353,766/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,169
−HK$10,004/mo
▼ 0.25% · 3.875%
HK$190,135
−HK$5,038/mo
Today · 4.125%
HK$195,173
baseline
▲ 0.50% · 4.625%
HK$205,461
+HK$10,288/mo
Deposit HK$24.33M · loan HK$36.50M · min. income ≈ HK$390,346/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,186
−HK$12,177/mo
▼ 0.25% · 3.875%
HK$200,226
−HK$6,137/mo
Today · 4.125%
HK$206,363
baseline
▲ 0.50% · 4.625%
HK$218,920
+HK$12,557/mo
Deposit HK$18.25M · loan HK$42.58M · min. income ≈ HK$412,726/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,030
−HK$11,672/mo
▼ 0.25% · 3.875%
HK$221,824
−HK$5,878/mo
Today · 4.125%
HK$227,702
baseline
▲ 0.50% · 4.625%
HK$239,704
+HK$12,002/mo
Deposit HK$18.25M · loan HK$42.58M · min. income ≈ HK$455,404/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,668
−HK$15,656/mo
▼ 0.25% · 3.875%
HK$257,434
−HK$7,890/mo
Today · 4.125%
HK$265,324
baseline
▲ 0.50% · 4.625%
HK$281,469
+HK$16,145/mo
Deposit HK$6.08M · loan HK$54.75M · min. income ≈ HK$530,648/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,753
−HK$15,006/mo
▼ 0.25% · 3.875%
HK$285,202
−HK$7,557/mo
Today · 4.125%
HK$292,759
baseline
▲ 0.50% · 4.625%
HK$308,191
+HK$15,432/mo
Deposit HK$6.08M · loan HK$54.75M · min. income ≈ HK$585,518/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,585,208 · Scale 2, in force from 26 Feb 2026)