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$138,888
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,208
−HK$4,389/mo
Today · 4.125%
HK$147,597
baseline
▲ 0.50% · 4.625%
HK$156,578
+HK$8,981/mo
Deposit HK$30.45M · loan HK$30.45M · min. income ≈ HK$295,194/mo (50% DSR)
Upfront cash ≈ HK$33.04M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,511
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,655
−HK$4,204/mo
Today · 4.125%
HK$162,859
baseline
▲ 0.50% · 4.625%
HK$171,443
+HK$8,584/mo
Deposit HK$30.45M · loan HK$30.45M · min. income ≈ HK$325,718/mo (50% DSR)
Upfront cash ≈ HK$33.04M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,665
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,849
−HK$5,267/mo
Today · 4.125%
HK$177,116
baseline
▲ 0.50% · 4.625%
HK$187,893
+HK$10,777/mo
Deposit HK$24.36M · loan HK$36.55M · min. income ≈ HK$354,232/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,413
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$190,386
−HK$5,044/mo
Today · 4.125%
HK$195,430
baseline
▲ 0.50% · 4.625%
HK$205,732
+HK$10,302/mo
Deposit HK$24.36M · loan HK$36.55M · min. income ≈ HK$390,860/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,443
−HK$12,193/mo
▼ 0.25% · 3.875%
HK$200,491
−HK$6,145/mo
Today · 4.125%
HK$206,636
baseline
▲ 0.50% · 4.625%
HK$219,209
+HK$12,573/mo
Deposit HK$18.27M · loan HK$42.64M · min. income ≈ HK$413,272/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,315
−HK$11,687/mo
▼ 0.25% · 3.875%
HK$222,117
−HK$5,885/mo
Today · 4.125%
HK$228,002
baseline
▲ 0.50% · 4.625%
HK$240,020
+HK$12,018/mo
Deposit HK$18.27M · loan HK$42.64M · min. income ≈ HK$456,004/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,998
−HK$15,677/mo
▼ 0.25% · 3.875%
HK$257,774
−HK$7,901/mo
Today · 4.125%
HK$265,675
baseline
▲ 0.50% · 4.625%
HK$281,840
+HK$16,165/mo
Deposit HK$6.09M · loan HK$54.82M · min. income ≈ HK$531,350/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,120
−HK$15,026/mo
▼ 0.25% · 3.875%
HK$285,579
−HK$7,567/mo
Today · 4.125%
HK$293,146
baseline
▲ 0.50% · 4.625%
HK$308,598
+HK$15,452/mo
Deposit HK$6.09M · loan HK$54.82M · min. income ≈ HK$586,292/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,588,621 · Scale 2, in force from 26 Feb 2026)