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$140,538
−HK$8,813/mo
▼ 0.25% · 3.875%
HK$144,910
−HK$4,441/mo
Today · 4.125%
HK$149,351
baseline
▲ 0.50% · 4.625%
HK$158,439
+HK$9,088/mo
Deposit HK$30.82M · loan HK$30.82M · min. income ≈ HK$298,702/mo (50% DSR)
Upfront cash ≈ HK$33.44M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,348
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$160,541
−HK$4,254/mo
Today · 4.125%
HK$164,795
baseline
▲ 0.50% · 4.625%
HK$173,481
+HK$8,686/mo
Deposit HK$30.82M · loan HK$30.82M · min. income ≈ HK$329,590/mo (50% DSR)
Upfront cash ≈ HK$33.44M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,646
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$173,892
−HK$5,330/mo
Today · 4.125%
HK$179,222
baseline
▲ 0.50% · 4.625%
HK$190,127
+HK$10,905/mo
Deposit HK$24.65M · loan HK$36.98M · min. income ≈ HK$358,444/mo (50% DSR)
Upfront cash ≈ HK$27.27M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,617
−HK$10,137/mo
▼ 0.25% · 3.875%
HK$192,649
−HK$5,105/mo
Today · 4.125%
HK$197,754
baseline
▲ 0.50% · 4.625%
HK$208,177
+HK$10,423/mo
Deposit HK$24.65M · loan HK$36.98M · min. income ≈ HK$395,508/mo (50% DSR)
Upfront cash ≈ HK$27.27M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,754
−HK$12,338/mo
▼ 0.25% · 3.875%
HK$202,874
−HK$6,218/mo
Today · 4.125%
HK$209,092
baseline
▲ 0.50% · 4.625%
HK$221,815
+HK$12,723/mo
Deposit HK$18.49M · loan HK$43.14M · min. income ≈ HK$418,184/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,887
−HK$11,825/mo
▼ 0.25% · 3.875%
HK$224,757
−HK$5,955/mo
Today · 4.125%
HK$230,712
baseline
▲ 0.50% · 4.625%
HK$242,874
+HK$12,162/mo
Deposit HK$18.49M · loan HK$43.14M · min. income ≈ HK$461,424/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,969
−HK$15,864/mo
▼ 0.25% · 3.875%
HK$260,838
−HK$7,995/mo
Today · 4.125%
HK$268,833
baseline
▲ 0.50% · 4.625%
HK$285,191
+HK$16,358/mo
Deposit HK$6.16M · loan HK$55.47M · min. income ≈ HK$537,666/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,426
−HK$15,204/mo
▼ 0.25% · 3.875%
HK$288,973
−HK$7,657/mo
Today · 4.125%
HK$296,630
baseline
▲ 0.50% · 4.625%
HK$312,266
+HK$15,636/mo
Deposit HK$6.16M · loan HK$55.47M · min. income ≈ HK$593,260/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,619,393 · Scale 2, in force from 26 Feb 2026)