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$140,619
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$144,993
−HK$4,444/mo
Today · 4.125%
HK$149,437
baseline
▲ 0.50% · 4.625%
HK$158,529
+HK$9,092/mo
Deposit HK$30.83M · loan HK$30.83M · min. income ≈ HK$298,874/mo (50% DSR)
Upfront cash ≈ HK$33.45M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,437
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$160,632
−HK$4,256/mo
Today · 4.125%
HK$164,888
baseline
▲ 0.50% · 4.625%
HK$173,580
+HK$8,692/mo
Deposit HK$30.83M · loan HK$30.83M · min. income ≈ HK$329,776/mo (50% DSR)
Upfront cash ≈ HK$33.45M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,742
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$173,991
−HK$5,333/mo
Today · 4.125%
HK$179,324
baseline
▲ 0.50% · 4.625%
HK$190,235
+HK$10,911/mo
Deposit HK$24.67M · loan HK$37.00M · min. income ≈ HK$358,648/mo (50% DSR)
Upfront cash ≈ HK$27.29M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,724
−HK$10,142/mo
▼ 0.25% · 3.875%
HK$192,759
−HK$5,107/mo
Today · 4.125%
HK$197,866
baseline
▲ 0.50% · 4.625%
HK$208,296
+HK$10,430/mo
Deposit HK$24.67M · loan HK$37.00M · min. income ≈ HK$395,732/mo (50% DSR)
Upfront cash ≈ HK$27.29M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,866
−HK$12,345/mo
▼ 0.25% · 3.875%
HK$202,990
−HK$6,221/mo
Today · 4.125%
HK$209,211
baseline
▲ 0.50% · 4.625%
HK$221,941
+HK$12,730/mo
Deposit HK$18.50M · loan HK$43.17M · min. income ≈ HK$418,422/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,011
−HK$11,833/mo
▼ 0.25% · 3.875%
HK$224,885
−HK$5,959/mo
Today · 4.125%
HK$230,844
baseline
▲ 0.50% · 4.625%
HK$243,012
+HK$12,168/mo
Deposit HK$18.50M · loan HK$43.17M · min. income ≈ HK$461,688/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,113
−HK$15,873/mo
▼ 0.25% · 3.875%
HK$260,987
−HK$7,999/mo
Today · 4.125%
HK$268,986
baseline
▲ 0.50% · 4.625%
HK$285,353
+HK$16,367/mo
Deposit HK$6.17M · loan HK$55.50M · min. income ≈ HK$537,972/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,586
−HK$15,213/mo
▼ 0.25% · 3.875%
HK$289,138
−HK$7,661/mo
Today · 4.125%
HK$296,799
baseline
▲ 0.50% · 4.625%
HK$312,444
+HK$15,645/mo
Deposit HK$6.17M · loan HK$55.50M · min. income ≈ HK$593,598/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,620,884 · Scale 2, in force from 26 Feb 2026)