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$140,874
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$145,256
−HK$4,452/mo
Today · 4.125%
HK$149,708
baseline
▲ 0.50% · 4.625%
HK$158,818
+HK$9,110/mo
Deposit HK$30.89M · loan HK$30.89M · min. income ≈ HK$299,416/mo (50% DSR)
Upfront cash ≈ HK$33.52M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,721
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$160,925
−HK$4,264/mo
Today · 4.125%
HK$165,189
baseline
▲ 0.50% · 4.625%
HK$173,896
+HK$8,707/mo
Deposit HK$30.89M · loan HK$30.89M · min. income ≈ HK$330,378/mo (50% DSR)
Upfront cash ≈ HK$33.52M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,049
−HK$10,601/mo
▼ 0.25% · 3.875%
HK$174,308
−HK$5,342/mo
Today · 4.125%
HK$179,650
baseline
▲ 0.50% · 4.625%
HK$190,581
+HK$10,931/mo
Deposit HK$24.71M · loan HK$37.07M · min. income ≈ HK$359,300/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,066
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$193,109
−HK$5,117/mo
Today · 4.125%
HK$198,226
baseline
▲ 0.50% · 4.625%
HK$208,675
+HK$10,449/mo
Deposit HK$24.71M · loan HK$37.07M · min. income ≈ HK$396,452/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,224
−HK$12,368/mo
▼ 0.25% · 3.875%
HK$203,359
−HK$6,233/mo
Today · 4.125%
HK$209,592
baseline
▲ 0.50% · 4.625%
HK$222,345
+HK$12,753/mo
Deposit HK$18.53M · loan HK$43.25M · min. income ≈ HK$419,184/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,410
−HK$11,854/mo
▼ 0.25% · 3.875%
HK$225,294
−HK$5,970/mo
Today · 4.125%
HK$231,264
baseline
▲ 0.50% · 4.625%
HK$243,454
+HK$12,190/mo
Deposit HK$18.53M · loan HK$43.25M · min. income ≈ HK$462,528/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,574
−HK$15,901/mo
▼ 0.25% · 3.875%
HK$261,461
−HK$8,014/mo
Today · 4.125%
HK$269,475
baseline
▲ 0.50% · 4.625%
HK$285,872
+HK$16,397/mo
Deposit HK$6.18M · loan HK$55.60M · min. income ≈ HK$538,950/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,098
−HK$15,241/mo
▼ 0.25% · 3.875%
HK$289,664
−HK$7,675/mo
Today · 4.125%
HK$297,339
baseline
▲ 0.50% · 4.625%
HK$313,012
+HK$15,673/mo
Deposit HK$6.18M · loan HK$55.60M · min. income ≈ HK$594,678/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$2,625,653 · Scale 2, in force from 26 Feb 2026)