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$140,977
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$145,362
−HK$4,455/mo
Today · 4.125%
HK$149,817
baseline
▲ 0.50% · 4.625%
HK$158,933
+HK$9,116/mo
Deposit HK$30.91M · loan HK$30.91M · min. income ≈ HK$299,634/mo (50% DSR)
Upfront cash ≈ HK$33.54M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,835
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$161,042
−HK$4,267/mo
Today · 4.125%
HK$165,309
baseline
▲ 0.50% · 4.625%
HK$174,022
+HK$8,713/mo
Deposit HK$30.91M · loan HK$30.91M · min. income ≈ HK$330,618/mo (50% DSR)
Upfront cash ≈ HK$33.54M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,172
−HK$10,609/mo
▼ 0.25% · 3.875%
HK$174,434
−HK$5,347/mo
Today · 4.125%
HK$179,781
baseline
▲ 0.50% · 4.625%
HK$190,720
+HK$10,939/mo
Deposit HK$24.73M · loan HK$37.10M · min. income ≈ HK$359,562/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,202
−HK$10,168/mo
▼ 0.25% · 3.875%
HK$193,250
−HK$5,120/mo
Today · 4.125%
HK$198,370
baseline
▲ 0.50% · 4.625%
HK$208,827
+HK$10,457/mo
Deposit HK$24.73M · loan HK$37.10M · min. income ≈ HK$396,740/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,368
−HK$12,376/mo
▼ 0.25% · 3.875%
HK$203,507
−HK$6,237/mo
Today · 4.125%
HK$209,744
baseline
▲ 0.50% · 4.625%
HK$222,507
+HK$12,763/mo
Deposit HK$18.55M · loan HK$43.28M · min. income ≈ HK$419,488/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,569
−HK$11,863/mo
▼ 0.25% · 3.875%
HK$225,458
−HK$5,974/mo
Today · 4.125%
HK$231,432
baseline
▲ 0.50% · 4.625%
HK$243,631
+HK$12,199/mo
Deposit HK$18.55M · loan HK$43.28M · min. income ≈ HK$462,864/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,758
−HK$15,913/mo
▼ 0.25% · 3.875%
HK$261,652
−HK$8,019/mo
Today · 4.125%
HK$269,671
baseline
▲ 0.50% · 4.625%
HK$286,080
+HK$16,409/mo
Deposit HK$6.18M · loan HK$55.64M · min. income ≈ HK$539,342/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,304
−HK$15,252/mo
▼ 0.25% · 3.875%
HK$289,875
−HK$7,681/mo
Today · 4.125%
HK$297,556
baseline
▲ 0.50% · 4.625%
HK$313,240
+HK$15,684/mo
Deposit HK$6.18M · loan HK$55.64M · min. income ≈ HK$595,112/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$2,627,563 · Scale 2, in force from 26 Feb 2026)