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$83,677
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,279
−HK$2,645/mo
Today · 4.125%
HK$88,924
baseline
▲ 0.50% · 4.625%
HK$94,335
+HK$5,411/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,848/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,089
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,586
−HK$2,533/mo
Today · 4.125%
HK$98,119
baseline
▲ 0.50% · 4.625%
HK$103,291
+HK$5,172/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,238/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,412
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,535
−HK$3,174/mo
Today · 4.125%
HK$106,709
baseline
▲ 0.50% · 4.625%
HK$113,202
+HK$6,493/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,418/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,707
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,703
−HK$3,039/mo
Today · 4.125%
HK$117,742
baseline
▲ 0.50% · 4.625%
HK$123,949
+HK$6,207/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,484/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,147
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,791
−HK$3,702/mo
Today · 4.125%
HK$124,493
baseline
▲ 0.50% · 4.625%
HK$132,068
+HK$7,575/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$248,986/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,325
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,820
−HK$3,546/mo
Today · 4.125%
HK$137,366
baseline
▲ 0.50% · 4.625%
HK$144,607
+HK$7,241/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,732/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,618
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$155,303
−HK$4,760/mo
Today · 4.125%
HK$160,063
baseline
▲ 0.50% · 4.625%
HK$169,802
+HK$9,739/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,126/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,561
−HK$9,053/mo
▼ 0.25% · 3.875%
HK$172,055
−HK$4,559/mo
Today · 4.125%
HK$176,614
baseline
▲ 0.50% · 4.625%
HK$185,923
+HK$9,309/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,228/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,586 · Scale 2, in force from 26 Feb 2026)