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$136,863
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$141,120
−HK$4,325/mo
Today · 4.125%
HK$145,445
baseline
▲ 0.50% · 4.625%
HK$154,295
+HK$8,850/mo
Deposit HK$30.01M · loan HK$30.01M · min. income ≈ HK$290,890/mo (50% DSR)
Upfront cash ≈ HK$32.56M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,258
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$156,342
−HK$4,142/mo
Today · 4.125%
HK$160,484
baseline
▲ 0.50% · 4.625%
HK$168,944
+HK$8,460/mo
Deposit HK$30.01M · loan HK$30.01M · min. income ≈ HK$320,968/mo (50% DSR)
Upfront cash ≈ HK$32.56M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,235
−HK$10,299/mo
▼ 0.25% · 3.875%
HK$169,344
−HK$5,190/mo
Today · 4.125%
HK$174,534
baseline
▲ 0.50% · 4.625%
HK$185,154
+HK$10,620/mo
Deposit HK$24.01M · loan HK$36.01M · min. income ≈ HK$349,068/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,710
−HK$9,871/mo
▼ 0.25% · 3.875%
HK$187,610
−HK$4,971/mo
Today · 4.125%
HK$192,581
baseline
▲ 0.50% · 4.625%
HK$202,732
+HK$10,151/mo
Deposit HK$24.01M · loan HK$36.01M · min. income ≈ HK$385,162/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,608
−HK$12,015/mo
▼ 0.25% · 3.875%
HK$197,568
−HK$6,055/mo
Today · 4.125%
HK$203,623
baseline
▲ 0.50% · 4.625%
HK$216,013
+HK$12,390/mo
Deposit HK$18.01M · loan HK$42.01M · min. income ≈ HK$407,246/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,161
−HK$11,517/mo
▼ 0.25% · 3.875%
HK$218,878
−HK$5,800/mo
Today · 4.125%
HK$224,678
baseline
▲ 0.50% · 4.625%
HK$236,521
+HK$11,843/mo
Deposit HK$18.01M · loan HK$42.01M · min. income ≈ HK$449,356/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,353
−HK$15,448/mo
▼ 0.25% · 3.875%
HK$254,015
−HK$7,786/mo
Today · 4.125%
HK$261,801
baseline
▲ 0.50% · 4.625%
HK$277,731
+HK$15,930/mo
Deposit HK$6.00M · loan HK$54.02M · min. income ≈ HK$523,602/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,065
−HK$14,807/mo
▼ 0.25% · 3.875%
HK$281,415
−HK$7,457/mo
Today · 4.125%
HK$288,872
baseline
▲ 0.50% · 4.625%
HK$304,098
+HK$15,226/mo
Deposit HK$6.00M · loan HK$54.02M · min. income ≈ HK$577,744/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,550,879 · Scale 2, in force from 26 Feb 2026)