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$139,502
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$143,842
−HK$4,408/mo
Today · 4.125%
HK$148,250
baseline
▲ 0.50% · 4.625%
HK$157,271
+HK$9,021/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$296,500/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,195
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$159,357
−HK$4,222/mo
Today · 4.125%
HK$163,579
baseline
▲ 0.50% · 4.625%
HK$172,202
+HK$8,623/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$327,158/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,403
−HK$10,497/mo
▼ 0.25% · 3.875%
HK$172,610
−HK$5,290/mo
Today · 4.125%
HK$177,900
baseline
▲ 0.50% · 4.625%
HK$188,725
+HK$10,825/mo
Deposit HK$24.47M · loan HK$36.71M · min. income ≈ HK$355,800/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,234
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$191,228
−HK$5,067/mo
Today · 4.125%
HK$196,295
baseline
▲ 0.50% · 4.625%
HK$206,642
+HK$10,347/mo
Deposit HK$24.47M · loan HK$36.71M · min. income ≈ HK$392,590/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,303
−HK$12,247/mo
▼ 0.25% · 3.875%
HK$201,378
−HK$6,172/mo
Today · 4.125%
HK$207,550
baseline
▲ 0.50% · 4.625%
HK$220,179
+HK$12,629/mo
Deposit HK$18.35M · loan HK$42.82M · min. income ≈ HK$415,100/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,273
−HK$11,738/mo
▼ 0.25% · 3.875%
HK$223,100
−HK$5,911/mo
Today · 4.125%
HK$229,011
baseline
▲ 0.50% · 4.625%
HK$241,083
+HK$12,072/mo
Deposit HK$18.35M · loan HK$42.82M · min. income ≈ HK$458,022/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,104
−HK$15,746/mo
▼ 0.25% · 3.875%
HK$258,915
−HK$7,935/mo
Today · 4.125%
HK$266,850
baseline
▲ 0.50% · 4.625%
HK$283,088
+HK$16,238/mo
Deposit HK$6.12M · loan HK$55.06M · min. income ≈ HK$533,700/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,351
−HK$15,092/mo
▼ 0.25% · 3.875%
HK$286,843
−HK$7,600/mo
Today · 4.125%
HK$294,443
baseline
▲ 0.50% · 4.625%
HK$309,964
+HK$15,521/mo
Deposit HK$6.12M · loan HK$55.06M · min. income ≈ HK$588,886/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,078 · Scale 2, in force from 26 Feb 2026)