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$141,074
−HK$8,847/mo
▼ 0.25% · 3.875%
HK$145,462
−HK$4,459/mo
Today · 4.125%
HK$149,921
baseline
▲ 0.50% · 4.625%
HK$159,043
+HK$9,122/mo
Deposit HK$30.93M · loan HK$30.93M · min. income ≈ HK$299,842/mo (50% DSR)
Upfront cash ≈ HK$33.56M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,944
−HK$8,479/mo
▼ 0.25% · 3.875%
HK$161,153
−HK$4,270/mo
Today · 4.125%
HK$165,423
baseline
▲ 0.50% · 4.625%
HK$174,142
+HK$8,719/mo
Deposit HK$30.93M · loan HK$30.93M · min. income ≈ HK$330,846/mo (50% DSR)
Upfront cash ≈ HK$33.56M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,289
−HK$10,616/mo
▼ 0.25% · 3.875%
HK$174,555
−HK$5,350/mo
Today · 4.125%
HK$179,905
baseline
▲ 0.50% · 4.625%
HK$190,852
+HK$10,947/mo
Deposit HK$24.75M · loan HK$37.12M · min. income ≈ HK$359,810/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,332
−HK$10,175/mo
▼ 0.25% · 3.875%
HK$193,383
−HK$5,124/mo
Today · 4.125%
HK$198,507
baseline
▲ 0.50% · 4.625%
HK$208,971
+HK$10,464/mo
Deposit HK$24.75M · loan HK$37.12M · min. income ≈ HK$397,014/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,504
−HK$12,385/mo
▼ 0.25% · 3.875%
HK$203,647
−HK$6,242/mo
Today · 4.125%
HK$209,889
baseline
▲ 0.50% · 4.625%
HK$222,660
+HK$12,771/mo
Deposit HK$18.56M · loan HK$43.31M · min. income ≈ HK$419,778/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,721
−HK$11,871/mo
▼ 0.25% · 3.875%
HK$225,614
−HK$5,978/mo
Today · 4.125%
HK$231,592
baseline
▲ 0.50% · 4.625%
HK$243,799
+HK$12,207/mo
Deposit HK$18.56M · loan HK$43.31M · min. income ≈ HK$463,184/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,933
−HK$15,924/mo
▼ 0.25% · 3.875%
HK$261,832
−HK$8,025/mo
Today · 4.125%
HK$269,857
baseline
▲ 0.50% · 4.625%
HK$286,278
+HK$16,421/mo
Deposit HK$6.19M · loan HK$55.68M · min. income ≈ HK$539,714/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,498
−HK$15,263/mo
▼ 0.25% · 3.875%
HK$290,075
−HK$7,686/mo
Today · 4.125%
HK$297,761
baseline
▲ 0.50% · 4.625%
HK$313,456
+HK$15,695/mo
Deposit HK$6.19M · loan HK$55.68M · min. income ≈ HK$595,522/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$2,629,376 · Scale 2, in force from 26 Feb 2026)