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$138,543
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,853
−HK$4,378/mo
Today · 4.125%
HK$147,231
baseline
▲ 0.50% · 4.625%
HK$156,190
+HK$8,959/mo
Deposit HK$30.38M · loan HK$30.38M · min. income ≈ HK$294,462/mo (50% DSR)
Upfront cash ≈ HK$32.96M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,128
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,261
−HK$4,194/mo
Today · 4.125%
HK$162,455
baseline
▲ 0.50% · 4.625%
HK$171,018
+HK$8,563/mo
Deposit HK$30.38M · loan HK$30.38M · min. income ≈ HK$324,910/mo (50% DSR)
Upfront cash ≈ HK$32.96M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,252
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$171,423
−HK$5,254/mo
Today · 4.125%
HK$176,677
baseline
▲ 0.50% · 4.625%
HK$187,427
+HK$10,750/mo
Deposit HK$24.30M · loan HK$36.45M · min. income ≈ HK$353,354/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,953
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$189,914
−HK$5,032/mo
Today · 4.125%
HK$194,946
baseline
▲ 0.50% · 4.625%
HK$205,222
+HK$10,276/mo
Deposit HK$24.30M · loan HK$36.45M · min. income ≈ HK$389,892/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,960
−HK$12,163/mo
▼ 0.25% · 3.875%
HK$199,994
−HK$6,129/mo
Today · 4.125%
HK$206,123
baseline
▲ 0.50% · 4.625%
HK$218,665
+HK$12,542/mo
Deposit HK$18.23M · loan HK$42.53M · min. income ≈ HK$412,246/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,779
−HK$11,658/mo
▼ 0.25% · 3.875%
HK$221,566
−HK$5,871/mo
Today · 4.125%
HK$227,437
baseline
▲ 0.50% · 4.625%
HK$239,425
+HK$11,988/mo
Deposit HK$18.23M · loan HK$42.53M · min. income ≈ HK$454,874/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,377
−HK$15,639/mo
▼ 0.25% · 3.875%
HK$257,135
−HK$7,881/mo
Today · 4.125%
HK$265,016
baseline
▲ 0.50% · 4.625%
HK$281,141
+HK$16,125/mo
Deposit HK$6.08M · loan HK$54.68M · min. income ≈ HK$530,032/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,430
−HK$14,989/mo
▼ 0.25% · 3.875%
HK$284,870
−HK$7,549/mo
Today · 4.125%
HK$292,419
baseline
▲ 0.50% · 4.625%
HK$307,832
+HK$15,413/mo
Deposit HK$6.08M · loan HK$54.68M · min. income ≈ HK$584,838/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$2,582,201 · Scale 2, in force from 26 Feb 2026)