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$139,510
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$143,850
−HK$4,409/mo
Today · 4.125%
HK$148,259
baseline
▲ 0.50% · 4.625%
HK$157,280
+HK$9,021/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$296,518/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,204
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$159,366
−HK$4,223/mo
Today · 4.125%
HK$163,589
baseline
▲ 0.50% · 4.625%
HK$172,212
+HK$8,623/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$327,178/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,413
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$172,620
−HK$5,291/mo
Today · 4.125%
HK$177,911
baseline
▲ 0.50% · 4.625%
HK$188,736
+HK$10,825/mo
Deposit HK$24.47M · loan HK$36.71M · min. income ≈ HK$355,822/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,245
−HK$10,062/mo
▼ 0.25% · 3.875%
HK$191,240
−HK$5,067/mo
Today · 4.125%
HK$196,307
baseline
▲ 0.50% · 4.625%
HK$206,655
+HK$10,348/mo
Deposit HK$24.47M · loan HK$36.71M · min. income ≈ HK$392,614/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,315
−HK$12,248/mo
▼ 0.25% · 3.875%
HK$201,390
−HK$6,173/mo
Today · 4.125%
HK$207,563
baseline
▲ 0.50% · 4.625%
HK$220,192
+HK$12,629/mo
Deposit HK$18.35M · loan HK$42.83M · min. income ≈ HK$415,126/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,286
−HK$11,739/mo
▼ 0.25% · 3.875%
HK$223,113
−HK$5,912/mo
Today · 4.125%
HK$229,025
baseline
▲ 0.50% · 4.625%
HK$241,097
+HK$12,072/mo
Deposit HK$18.35M · loan HK$42.83M · min. income ≈ HK$458,050/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,119
−HK$15,747/mo
▼ 0.25% · 3.875%
HK$258,930
−HK$7,936/mo
Today · 4.125%
HK$266,866
baseline
▲ 0.50% · 4.625%
HK$283,104
+HK$16,238/mo
Deposit HK$6.12M · loan HK$55.06M · min. income ≈ HK$533,732/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,367
−HK$15,094/mo
▼ 0.25% · 3.875%
HK$286,860
−HK$7,601/mo
Today · 4.125%
HK$294,461
baseline
▲ 0.50% · 4.625%
HK$309,982
+HK$15,521/mo
Deposit HK$6.12M · loan HK$55.06M · min. income ≈ HK$588,922/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,232 · Scale 2, in force from 26 Feb 2026)