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$139,559
−HK$8,752/mo
▼ 0.25% · 3.875%
HK$143,900
−HK$4,411/mo
Today · 4.125%
HK$148,311
baseline
▲ 0.50% · 4.625%
HK$157,335
+HK$9,024/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$296,622/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,258
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$159,422
−HK$4,224/mo
Today · 4.125%
HK$163,646
baseline
▲ 0.50% · 4.625%
HK$172,272
+HK$8,626/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$327,292/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,471
−HK$10,502/mo
▼ 0.25% · 3.875%
HK$172,680
−HK$5,293/mo
Today · 4.125%
HK$177,973
baseline
▲ 0.50% · 4.625%
HK$188,802
+HK$10,829/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$355,946/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,310
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$191,306
−HK$5,069/mo
Today · 4.125%
HK$196,375
baseline
▲ 0.50% · 4.625%
HK$206,726
+HK$10,351/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$392,750/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,383
−HK$12,252/mo
▼ 0.25% · 3.875%
HK$201,460
−HK$6,175/mo
Today · 4.125%
HK$207,635
baseline
▲ 0.50% · 4.625%
HK$220,269
+HK$12,634/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$415,270/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,361
−HK$11,743/mo
▼ 0.25% · 3.875%
HK$223,191
−HK$5,913/mo
Today · 4.125%
HK$229,104
baseline
▲ 0.50% · 4.625%
HK$241,181
+HK$12,077/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$458,208/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,206
−HK$15,753/mo
▼ 0.25% · 3.875%
HK$259,020
−HK$7,939/mo
Today · 4.125%
HK$266,959
baseline
▲ 0.50% · 4.625%
HK$283,203
+HK$16,244/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$533,918/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,464
−HK$15,099/mo
▼ 0.25% · 3.875%
HK$286,959
−HK$7,604/mo
Today · 4.125%
HK$294,563
baseline
▲ 0.50% · 4.625%
HK$310,090
+HK$15,527/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$589,126/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,136 · Scale 2, in force from 26 Feb 2026)