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$138,523
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$142,832
−HK$4,377/mo
Today · 4.125%
HK$147,209
baseline
▲ 0.50% · 4.625%
HK$156,167
+HK$8,958/mo
Deposit HK$30.37M · loan HK$30.37M · min. income ≈ HK$294,418/mo (50% DSR)
Upfront cash ≈ HK$32.96M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,105
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,238
−HK$4,193/mo
Today · 4.125%
HK$162,431
baseline
▲ 0.50% · 4.625%
HK$170,993
+HK$8,562/mo
Deposit HK$30.37M · loan HK$30.37M · min. income ≈ HK$324,862/mo (50% DSR)
Upfront cash ≈ HK$32.96M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,227
−HK$10,424/mo
▼ 0.25% · 3.875%
HK$171,398
−HK$5,253/mo
Today · 4.125%
HK$176,651
baseline
▲ 0.50% · 4.625%
HK$187,400
+HK$10,749/mo
Deposit HK$24.30M · loan HK$36.45M · min. income ≈ HK$353,302/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,926
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$189,886
−HK$5,031/mo
Today · 4.125%
HK$194,917
baseline
▲ 0.50% · 4.625%
HK$205,192
+HK$10,275/mo
Deposit HK$24.30M · loan HK$36.45M · min. income ≈ HK$389,834/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,932
−HK$12,161/mo
▼ 0.25% · 3.875%
HK$199,964
−HK$6,129/mo
Today · 4.125%
HK$206,093
baseline
▲ 0.50% · 4.625%
HK$218,634
+HK$12,541/mo
Deposit HK$18.22M · loan HK$42.52M · min. income ≈ HK$412,186/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,747
−HK$11,657/mo
▼ 0.25% · 3.875%
HK$221,534
−HK$5,870/mo
Today · 4.125%
HK$227,404
baseline
▲ 0.50% · 4.625%
HK$239,390
+HK$11,986/mo
Deposit HK$18.22M · loan HK$42.52M · min. income ≈ HK$454,808/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,341
−HK$15,636/mo
▼ 0.25% · 3.875%
HK$257,097
−HK$7,880/mo
Today · 4.125%
HK$264,977
baseline
▲ 0.50% · 4.625%
HK$281,100
+HK$16,123/mo
Deposit HK$6.07M · loan HK$54.67M · min. income ≈ HK$529,954/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,390
−HK$14,986/mo
▼ 0.25% · 3.875%
HK$284,829
−HK$7,547/mo
Today · 4.125%
HK$292,376
baseline
▲ 0.50% · 4.625%
HK$307,788
+HK$15,412/mo
Deposit HK$6.07M · loan HK$54.67M · min. income ≈ HK$584,752/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$2,581,825 · Scale 2, in force from 26 Feb 2026)