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$136,877
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$141,134
−HK$4,326/mo
Today · 4.125%
HK$145,460
baseline
▲ 0.50% · 4.625%
HK$154,311
+HK$8,851/mo
Deposit HK$30.01M · loan HK$30.01M · min. income ≈ HK$290,920/mo (50% DSR)
Upfront cash ≈ HK$32.56M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,274
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$156,358
−HK$4,143/mo
Today · 4.125%
HK$160,501
baseline
▲ 0.50% · 4.625%
HK$168,961
+HK$8,460/mo
Deposit HK$30.01M · loan HK$30.01M · min. income ≈ HK$321,002/mo (50% DSR)
Upfront cash ≈ HK$32.56M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,252
−HK$10,300/mo
▼ 0.25% · 3.875%
HK$169,361
−HK$5,191/mo
Today · 4.125%
HK$174,552
baseline
▲ 0.50% · 4.625%
HK$185,173
+HK$10,621/mo
Deposit HK$24.01M · loan HK$36.02M · min. income ≈ HK$349,104/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,729
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$187,629
−HK$4,972/mo
Today · 4.125%
HK$192,601
baseline
▲ 0.50% · 4.625%
HK$202,753
+HK$10,152/mo
Deposit HK$24.01M · loan HK$36.02M · min. income ≈ HK$385,202/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,627
−HK$12,017/mo
▼ 0.25% · 3.875%
HK$197,588
−HK$6,056/mo
Today · 4.125%
HK$203,644
baseline
▲ 0.50% · 4.625%
HK$216,035
+HK$12,391/mo
Deposit HK$18.01M · loan HK$42.02M · min. income ≈ HK$407,288/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,183
−HK$11,518/mo
▼ 0.25% · 3.875%
HK$218,901
−HK$5,800/mo
Today · 4.125%
HK$224,701
baseline
▲ 0.50% · 4.625%
HK$236,545
+HK$11,844/mo
Deposit HK$18.01M · loan HK$42.02M · min. income ≈ HK$449,402/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,378
−HK$15,450/mo
▼ 0.25% · 3.875%
HK$254,042
−HK$7,786/mo
Today · 4.125%
HK$261,828
baseline
▲ 0.50% · 4.625%
HK$277,760
+HK$15,932/mo
Deposit HK$6.00M · loan HK$54.02M · min. income ≈ HK$523,656/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,093
−HK$14,808/mo
▼ 0.25% · 3.875%
HK$281,444
−HK$7,457/mo
Today · 4.125%
HK$288,901
baseline
▲ 0.50% · 4.625%
HK$304,130
+HK$15,229/mo
Deposit HK$6.00M · loan HK$54.02M · min. income ≈ HK$577,802/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,551,141 · Scale 2, in force from 26 Feb 2026)