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$83,683
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,286
−HK$2,645/mo
Today · 4.125%
HK$88,931
baseline
▲ 0.50% · 4.625%
HK$94,342
+HK$5,411/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,862/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,097
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,593
−HK$2,533/mo
Today · 4.125%
HK$98,126
baseline
▲ 0.50% · 4.625%
HK$103,299
+HK$5,173/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,252/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,420
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,543
−HK$3,174/mo
Today · 4.125%
HK$106,717
baseline
▲ 0.50% · 4.625%
HK$113,210
+HK$6,493/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,434/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,716
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,712
−HK$3,040/mo
Today · 4.125%
HK$117,752
baseline
▲ 0.50% · 4.625%
HK$123,959
+HK$6,207/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,504/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,156
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,801
−HK$3,702/mo
Today · 4.125%
HK$124,503
baseline
▲ 0.50% · 4.625%
HK$132,079
+HK$7,576/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,006/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,335
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,831
−HK$3,546/mo
Today · 4.125%
HK$137,377
baseline
▲ 0.50% · 4.625%
HK$144,618
+HK$7,241/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,754/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,630
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$155,315
−HK$4,760/mo
Today · 4.125%
HK$160,075
baseline
▲ 0.50% · 4.625%
HK$169,816
+HK$9,741/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,150/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,574
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,068
−HK$4,560/mo
Today · 4.125%
HK$176,628
baseline
▲ 0.50% · 4.625%
HK$185,938
+HK$9,310/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,256/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,708 · Scale 2, in force from 26 Feb 2026)