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$83,710
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,314
−HK$2,645/mo
Today · 4.125%
HK$88,959
baseline
▲ 0.50% · 4.625%
HK$94,372
+HK$5,413/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,918/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,127
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,624
−HK$2,534/mo
Today · 4.125%
HK$98,158
baseline
▲ 0.50% · 4.625%
HK$103,332
+HK$5,174/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,316/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,452
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,577
−HK$3,174/mo
Today · 4.125%
HK$106,751
baseline
▲ 0.50% · 4.625%
HK$113,247
+HK$6,496/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$213,502/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,752
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,749
−HK$3,040/mo
Today · 4.125%
HK$117,789
baseline
▲ 0.50% · 4.625%
HK$123,998
+HK$6,209/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$235,578/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,194
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,839
−HK$3,704/mo
Today · 4.125%
HK$124,543
baseline
▲ 0.50% · 4.625%
HK$132,121
+HK$7,578/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$249,086/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,377
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,874
−HK$3,547/mo
Today · 4.125%
HK$137,421
baseline
▲ 0.50% · 4.625%
HK$144,665
+HK$7,244/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$274,842/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,678
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$155,365
−HK$4,762/mo
Today · 4.125%
HK$160,127
baseline
▲ 0.50% · 4.625%
HK$169,870
+HK$9,743/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,254/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,628
−HK$9,056/mo
▼ 0.25% · 3.875%
HK$172,124
−HK$4,560/mo
Today · 4.125%
HK$176,684
baseline
▲ 0.50% · 4.625%
HK$185,998
+HK$9,314/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,368/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,209 · Scale 2, in force from 26 Feb 2026)