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$136,897
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$141,156
−HK$4,326/mo
Today · 4.125%
HK$145,482
baseline
▲ 0.50% · 4.625%
HK$154,334
+HK$8,852/mo
Deposit HK$30.02M · loan HK$30.02M · min. income ≈ HK$290,964/mo (50% DSR)
Upfront cash ≈ HK$32.57M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,297
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$156,381
−HK$4,144/mo
Today · 4.125%
HK$160,525
baseline
▲ 0.50% · 4.625%
HK$168,986
+HK$8,461/mo
Deposit HK$30.02M · loan HK$30.02M · min. income ≈ HK$321,050/mo (50% DSR)
Upfront cash ≈ HK$32.57M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,277
−HK$10,301/mo
▼ 0.25% · 3.875%
HK$169,387
−HK$5,191/mo
Today · 4.125%
HK$174,578
baseline
▲ 0.50% · 4.625%
HK$185,201
+HK$10,623/mo
Deposit HK$24.01M · loan HK$36.02M · min. income ≈ HK$349,156/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,756
−HK$9,874/mo
▼ 0.25% · 3.875%
HK$187,658
−HK$4,972/mo
Today · 4.125%
HK$192,630
baseline
▲ 0.50% · 4.625%
HK$202,784
+HK$10,154/mo
Deposit HK$24.01M · loan HK$36.02M · min. income ≈ HK$385,260/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,656
−HK$12,019/mo
▼ 0.25% · 3.875%
HK$197,618
−HK$6,057/mo
Today · 4.125%
HK$203,675
baseline
▲ 0.50% · 4.625%
HK$216,068
+HK$12,393/mo
Deposit HK$18.01M · loan HK$42.03M · min. income ≈ HK$407,350/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,216
−HK$11,519/mo
▼ 0.25% · 3.875%
HK$218,934
−HK$5,801/mo
Today · 4.125%
HK$224,735
baseline
▲ 0.50% · 4.625%
HK$236,581
+HK$11,846/mo
Deposit HK$18.01M · loan HK$42.03M · min. income ≈ HK$449,470/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,415
−HK$15,452/mo
▼ 0.25% · 3.875%
HK$254,080
−HK$7,787/mo
Today · 4.125%
HK$261,867
baseline
▲ 0.50% · 4.625%
HK$277,801
+HK$15,934/mo
Deposit HK$6.00M · loan HK$54.03M · min. income ≈ HK$523,734/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,134
−HK$14,811/mo
▼ 0.25% · 3.875%
HK$281,486
−HK$7,459/mo
Today · 4.125%
HK$288,945
baseline
▲ 0.50% · 4.625%
HK$304,176
+HK$15,231/mo
Deposit HK$6.00M · loan HK$54.03M · min. income ≈ HK$577,890/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$2,551,526 · Scale 2, in force from 26 Feb 2026)