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$138,221
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,520
−HK$4,368/mo
Today · 4.125%
HK$146,888
baseline
▲ 0.50% · 4.625%
HK$155,826
+HK$8,938/mo
Deposit HK$30.31M · loan HK$30.31M · min. income ≈ HK$293,776/mo (50% DSR)
Upfront cash ≈ HK$32.88M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,769
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$157,893
−HK$4,184/mo
Today · 4.125%
HK$162,077
baseline
▲ 0.50% · 4.625%
HK$170,620
+HK$8,543/mo
Deposit HK$30.31M · loan HK$30.31M · min. income ≈ HK$324,154/mo (50% DSR)
Upfront cash ≈ HK$32.88M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,865
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$171,024
−HK$5,242/mo
Today · 4.125%
HK$176,266
baseline
▲ 0.50% · 4.625%
HK$186,991
+HK$10,725/mo
Deposit HK$24.25M · loan HK$36.37M · min. income ≈ HK$352,532/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,523
−HK$9,969/mo
▼ 0.25% · 3.875%
HK$189,472
−HK$5,020/mo
Today · 4.125%
HK$194,492
baseline
▲ 0.50% · 4.625%
HK$204,744
+HK$10,252/mo
Deposit HK$24.25M · loan HK$36.37M · min. income ≈ HK$388,984/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,509
−HK$12,135/mo
▼ 0.25% · 3.875%
HK$199,528
−HK$6,116/mo
Today · 4.125%
HK$205,644
baseline
▲ 0.50% · 4.625%
HK$218,156
+HK$12,512/mo
Deposit HK$18.18M · loan HK$42.43M · min. income ≈ HK$411,288/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,277
−HK$11,630/mo
▼ 0.25% · 3.875%
HK$221,050
−HK$5,857/mo
Today · 4.125%
HK$226,907
baseline
▲ 0.50% · 4.625%
HK$238,868
+HK$11,961/mo
Deposit HK$18.18M · loan HK$42.43M · min. income ≈ HK$453,814/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,797
−HK$15,602/mo
▼ 0.25% · 3.875%
HK$256,536
−HK$7,863/mo
Today · 4.125%
HK$264,399
baseline
▲ 0.50% · 4.625%
HK$280,487
+HK$16,088/mo
Deposit HK$6.06M · loan HK$54.55M · min. income ≈ HK$528,798/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,784
−HK$14,954/mo
▼ 0.25% · 3.875%
HK$284,207
−HK$7,531/mo
Today · 4.125%
HK$291,738
baseline
▲ 0.50% · 4.625%
HK$307,116
+HK$15,378/mo
Deposit HK$6.06M · loan HK$54.55M · min. income ≈ HK$583,476/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$2,576,191 · Scale 2, in force from 26 Feb 2026)