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$138,691
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,005
−HK$4,384/mo
Today · 4.125%
HK$147,389
baseline
▲ 0.50% · 4.625%
HK$156,357
+HK$8,968/mo
Deposit HK$30.41M · loan HK$30.41M · min. income ≈ HK$294,778/mo (50% DSR)
Upfront cash ≈ HK$33.00M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,293
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,431
−HK$4,198/mo
Today · 4.125%
HK$162,629
baseline
▲ 0.50% · 4.625%
HK$171,201
+HK$8,572/mo
Deposit HK$30.41M · loan HK$30.41M · min. income ≈ HK$325,258/mo (50% DSR)
Upfront cash ≈ HK$33.00M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,430
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$171,607
−HK$5,259/mo
Today · 4.125%
HK$176,866
baseline
▲ 0.50% · 4.625%
HK$187,628
+HK$10,762/mo
Deposit HK$24.33M · loan HK$36.49M · min. income ≈ HK$353,732/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,151
−HK$10,003/mo
▼ 0.25% · 3.875%
HK$190,117
−HK$5,037/mo
Today · 4.125%
HK$195,154
baseline
▲ 0.50% · 4.625%
HK$205,441
+HK$10,287/mo
Deposit HK$24.33M · loan HK$36.49M · min. income ≈ HK$390,308/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,168
−HK$12,176/mo
▼ 0.25% · 3.875%
HK$200,208
−HK$6,136/mo
Today · 4.125%
HK$206,344
baseline
▲ 0.50% · 4.625%
HK$218,899
+HK$12,555/mo
Deposit HK$18.25M · loan HK$42.58M · min. income ≈ HK$412,688/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,010
−HK$11,670/mo
▼ 0.25% · 3.875%
HK$221,803
−HK$5,877/mo
Today · 4.125%
HK$227,680
baseline
▲ 0.50% · 4.625%
HK$239,682
+HK$12,002/mo
Deposit HK$18.25M · loan HK$42.58M · min. income ≈ HK$455,360/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,644
−HK$15,655/mo
▼ 0.25% · 3.875%
HK$257,410
−HK$7,889/mo
Today · 4.125%
HK$265,299
baseline
▲ 0.50% · 4.625%
HK$281,442
+HK$16,143/mo
Deposit HK$6.08M · loan HK$54.74M · min. income ≈ HK$530,598/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,727
−HK$15,005/mo
▼ 0.25% · 3.875%
HK$285,175
−HK$7,557/mo
Today · 4.125%
HK$292,732
baseline
▲ 0.50% · 4.625%
HK$308,162
+HK$15,430/mo
Deposit HK$6.08M · loan HK$54.74M · min. income ≈ HK$585,464/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,584,965 · Scale 2, in force from 26 Feb 2026)