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$139,432
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$143,769
−HK$4,407/mo
Today · 4.125%
HK$148,176
baseline
▲ 0.50% · 4.625%
HK$157,192
+HK$9,016/mo
Deposit HK$30.57M · loan HK$30.57M · min. income ≈ HK$296,352/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,117
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$159,277
−HK$4,220/mo
Today · 4.125%
HK$163,497
baseline
▲ 0.50% · 4.625%
HK$172,116
+HK$8,619/mo
Deposit HK$30.57M · loan HK$30.57M · min. income ≈ HK$326,994/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,319
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,523
−HK$5,288/mo
Today · 4.125%
HK$177,811
baseline
▲ 0.50% · 4.625%
HK$188,630
+HK$10,819/mo
Deposit HK$24.46M · loan HK$36.69M · min. income ≈ HK$355,622/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,140
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$191,133
−HK$5,064/mo
Today · 4.125%
HK$196,197
baseline
▲ 0.50% · 4.625%
HK$206,539
+HK$10,342/mo
Deposit HK$24.46M · loan HK$36.69M · min. income ≈ HK$392,394/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,205
−HK$12,241/mo
▼ 0.25% · 3.875%
HK$201,277
−HK$6,169/mo
Today · 4.125%
HK$207,446
baseline
▲ 0.50% · 4.625%
HK$220,069
+HK$12,623/mo
Deposit HK$18.34M · loan HK$42.80M · min. income ≈ HK$414,892/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,164
−HK$11,732/mo
▼ 0.25% · 3.875%
HK$222,988
−HK$5,908/mo
Today · 4.125%
HK$228,896
baseline
▲ 0.50% · 4.625%
HK$240,962
+HK$12,066/mo
Deposit HK$18.34M · loan HK$42.80M · min. income ≈ HK$457,792/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,978
−HK$15,739/mo
▼ 0.25% · 3.875%
HK$258,785
−HK$7,932/mo
Today · 4.125%
HK$266,717
baseline
▲ 0.50% · 4.625%
HK$282,946
+HK$16,229/mo
Deposit HK$6.11M · loan HK$55.03M · min. income ≈ HK$533,434/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,211
−HK$15,084/mo
▼ 0.25% · 3.875%
HK$286,699
−HK$7,596/mo
Today · 4.125%
HK$294,295
baseline
▲ 0.50% · 4.625%
HK$309,808
+HK$15,513/mo
Deposit HK$6.11M · loan HK$55.03M · min. income ≈ HK$588,590/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$2,598,774 · Scale 2, in force from 26 Feb 2026)