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$139,604
−HK$8,755/mo
▼ 0.25% · 3.875%
HK$143,947
−HK$4,412/mo
Today · 4.125%
HK$148,359
baseline
▲ 0.50% · 4.625%
HK$157,386
+HK$9,027/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$296,718/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,308
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,474
−HK$4,225/mo
Today · 4.125%
HK$163,699
baseline
▲ 0.50% · 4.625%
HK$172,328
+HK$8,629/mo
Deposit HK$30.61M · loan HK$30.61M · min. income ≈ HK$327,398/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,525
−HK$10,505/mo
▼ 0.25% · 3.875%
HK$172,736
−HK$5,294/mo
Today · 4.125%
HK$178,030
baseline
▲ 0.50% · 4.625%
HK$188,863
+HK$10,833/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$356,060/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,370
−HK$10,069/mo
▼ 0.25% · 3.875%
HK$191,368
−HK$5,071/mo
Today · 4.125%
HK$196,439
baseline
▲ 0.50% · 4.625%
HK$206,793
+HK$10,354/mo
Deposit HK$24.49M · loan HK$36.73M · min. income ≈ HK$392,878/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,446
−HK$12,256/mo
▼ 0.25% · 3.875%
HK$201,525
−HK$6,177/mo
Today · 4.125%
HK$207,702
baseline
▲ 0.50% · 4.625%
HK$220,340
+HK$12,638/mo
Deposit HK$18.37M · loan HK$42.86M · min. income ≈ HK$415,404/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,432
−HK$11,747/mo
▼ 0.25% · 3.875%
HK$223,263
−HK$5,916/mo
Today · 4.125%
HK$229,179
baseline
▲ 0.50% · 4.625%
HK$241,259
+HK$12,080/mo
Deposit HK$18.37M · loan HK$42.86M · min. income ≈ HK$458,358/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,287
−HK$15,758/mo
▼ 0.25% · 3.875%
HK$259,104
−HK$7,941/mo
Today · 4.125%
HK$267,045
baseline
▲ 0.50% · 4.625%
HK$283,294
+HK$16,249/mo
Deposit HK$6.12M · loan HK$55.10M · min. income ≈ HK$534,090/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,555
−HK$15,103/mo
▼ 0.25% · 3.875%
HK$287,052
−HK$7,606/mo
Today · 4.125%
HK$294,658
baseline
▲ 0.50% · 4.625%
HK$310,190
+HK$15,532/mo
Deposit HK$6.12M · loan HK$55.10M · min. income ≈ HK$589,316/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,978 · Scale 2, in force from 26 Feb 2026)