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$139,379
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$143,715
−HK$4,405/mo
Today · 4.125%
HK$148,120
baseline
▲ 0.50% · 4.625%
HK$157,133
+HK$9,013/mo
Deposit HK$30.56M · loan HK$30.56M · min. income ≈ HK$296,240/mo (50% DSR)
Upfront cash ≈ HK$33.16M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,058
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$159,217
−HK$4,219/mo
Today · 4.125%
HK$163,436
baseline
▲ 0.50% · 4.625%
HK$172,051
+HK$8,615/mo
Deposit HK$30.56M · loan HK$30.56M · min. income ≈ HK$326,872/mo (50% DSR)
Upfront cash ≈ HK$33.16M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,255
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$172,458
−HK$5,286/mo
Today · 4.125%
HK$177,744
baseline
▲ 0.50% · 4.625%
HK$188,559
+HK$10,815/mo
Deposit HK$24.45M · loan HK$36.67M · min. income ≈ HK$355,488/mo (50% DSR)
Upfront cash ≈ HK$27.05M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,070
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$191,060
−HK$5,063/mo
Today · 4.125%
HK$196,123
baseline
▲ 0.50% · 4.625%
HK$206,461
+HK$10,338/mo
Deposit HK$24.45M · loan HK$36.67M · min. income ≈ HK$392,246/mo (50% DSR)
Upfront cash ≈ HK$27.05M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,131
−HK$12,237/mo
▼ 0.25% · 3.875%
HK$201,201
−HK$6,167/mo
Today · 4.125%
HK$207,368
baseline
▲ 0.50% · 4.625%
HK$219,986
+HK$12,618/mo
Deposit HK$18.34M · loan HK$42.79M · min. income ≈ HK$414,736/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,082
−HK$11,728/mo
▼ 0.25% · 3.875%
HK$222,904
−HK$5,906/mo
Today · 4.125%
HK$228,810
baseline
▲ 0.50% · 4.625%
HK$240,871
+HK$12,061/mo
Deposit HK$18.34M · loan HK$42.79M · min. income ≈ HK$457,620/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,883
−HK$15,733/mo
▼ 0.25% · 3.875%
HK$258,687
−HK$7,929/mo
Today · 4.125%
HK$266,616
baseline
▲ 0.50% · 4.625%
HK$282,839
+HK$16,223/mo
Deposit HK$6.11M · loan HK$55.01M · min. income ≈ HK$533,232/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,105
−HK$15,079/mo
▼ 0.25% · 3.875%
HK$286,590
−HK$7,594/mo
Today · 4.125%
HK$294,184
baseline
▲ 0.50% · 4.625%
HK$309,691
+HK$15,507/mo
Deposit HK$6.11M · loan HK$55.01M · min. income ≈ HK$588,368/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,597,791 · Scale 2, in force from 26 Feb 2026)