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$83,495
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,092
−HK$2,639/mo
Today · 4.125%
HK$88,731
baseline
▲ 0.50% · 4.625%
HK$94,130
+HK$5,399/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,462/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,887
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,378
−HK$2,528/mo
Today · 4.125%
HK$97,906
baseline
▲ 0.50% · 4.625%
HK$103,066
+HK$5,160/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,812/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,194
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,310
−HK$3,167/mo
Today · 4.125%
HK$106,477
baseline
▲ 0.50% · 4.625%
HK$112,956
+HK$6,479/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$212,954/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,465
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,454
−HK$3,033/mo
Today · 4.125%
HK$117,487
baseline
▲ 0.50% · 4.625%
HK$123,680
+HK$6,193/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$234,974/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,893
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,529
−HK$3,694/mo
Today · 4.125%
HK$124,223
baseline
▲ 0.50% · 4.625%
HK$131,782
+HK$7,559/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$248,446/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,042
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,530
−HK$3,538/mo
Today · 4.125%
HK$137,068
baseline
▲ 0.50% · 4.625%
HK$144,293
+HK$7,225/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$274,136/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,291
−HK$9,424/mo
▼ 0.25% · 3.875%
HK$154,966
−HK$4,749/mo
Today · 4.125%
HK$159,715
baseline
▲ 0.50% · 4.625%
HK$169,434
+HK$9,719/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,430/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,197
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$171,681
−HK$4,549/mo
Today · 4.125%
HK$176,230
baseline
▲ 0.50% · 4.625%
HK$185,519
+HK$9,289/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,460/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,199 · Scale 2, in force from 26 Feb 2026)