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$139,872
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$144,223
−HK$4,420/mo
Today · 4.125%
HK$148,643
baseline
▲ 0.50% · 4.625%
HK$157,688
+HK$9,045/mo
Deposit HK$30.67M · loan HK$30.67M · min. income ≈ HK$297,286/mo (50% DSR)
Upfront cash ≈ HK$33.28M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,606
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$159,780
−HK$4,233/mo
Today · 4.125%
HK$164,013
baseline
▲ 0.50% · 4.625%
HK$172,659
+HK$8,646/mo
Deposit HK$30.67M · loan HK$30.67M · min. income ≈ HK$328,026/mo (50% DSR)
Upfront cash ≈ HK$33.28M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,846
−HK$10,526/mo
▼ 0.25% · 3.875%
HK$173,067
−HK$5,305/mo
Today · 4.125%
HK$178,372
baseline
▲ 0.50% · 4.625%
HK$189,225
+HK$10,853/mo
Deposit HK$24.54M · loan HK$36.80M · min. income ≈ HK$356,744/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,727
−HK$10,089/mo
▼ 0.25% · 3.875%
HK$191,735
−HK$5,081/mo
Today · 4.125%
HK$196,816
baseline
▲ 0.50% · 4.625%
HK$207,190
+HK$10,374/mo
Deposit HK$24.54M · loan HK$36.80M · min. income ≈ HK$393,632/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,821
−HK$12,280/mo
▼ 0.25% · 3.875%
HK$201,912
−HK$6,189/mo
Today · 4.125%
HK$208,101
baseline
▲ 0.50% · 4.625%
HK$220,763
+HK$12,662/mo
Deposit HK$18.40M · loan HK$42.94M · min. income ≈ HK$416,202/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,849
−HK$11,769/mo
▼ 0.25% · 3.875%
HK$223,691
−HK$5,927/mo
Today · 4.125%
HK$229,618
baseline
▲ 0.50% · 4.625%
HK$241,722
+HK$12,104/mo
Deposit HK$18.40M · loan HK$42.94M · min. income ≈ HK$459,236/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,770
−HK$15,788/mo
▼ 0.25% · 3.875%
HK$259,601
−HK$7,957/mo
Today · 4.125%
HK$267,558
baseline
▲ 0.50% · 4.625%
HK$283,838
+HK$16,280/mo
Deposit HK$6.13M · loan HK$55.21M · min. income ≈ HK$535,116/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,091
−HK$15,133/mo
▼ 0.25% · 3.875%
HK$287,603
−HK$7,621/mo
Today · 4.125%
HK$295,224
baseline
▲ 0.50% · 4.625%
HK$310,785
+HK$15,561/mo
Deposit HK$6.13M · loan HK$55.21M · min. income ≈ HK$590,448/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$2,606,971 · Scale 2, in force from 26 Feb 2026)