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$83,563
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,162
−HK$2,641/mo
Today · 4.125%
HK$88,803
baseline
▲ 0.50% · 4.625%
HK$94,206
+HK$5,403/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,606/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,963
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,456
−HK$2,529/mo
Today · 4.125%
HK$97,985
baseline
▲ 0.50% · 4.625%
HK$103,150
+HK$5,165/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,970/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,275
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,395
−HK$3,169/mo
Today · 4.125%
HK$106,564
baseline
▲ 0.50% · 4.625%
HK$113,048
+HK$6,484/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,128/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,555
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,547
−HK$3,035/mo
Today · 4.125%
HK$117,582
baseline
▲ 0.50% · 4.625%
HK$123,780
+HK$6,198/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,164/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,988
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,627
−HK$3,697/mo
Today · 4.125%
HK$124,324
baseline
▲ 0.50% · 4.625%
HK$131,889
+HK$7,565/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,648/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,148
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,638
−HK$3,541/mo
Today · 4.125%
HK$137,179
baseline
▲ 0.50% · 4.625%
HK$144,410
+HK$7,231/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,358/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,413
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$155,092
−HK$4,753/mo
Today · 4.125%
HK$159,845
baseline
▲ 0.50% · 4.625%
HK$169,572
+HK$9,727/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$319,690/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,333
−HK$9,041/mo
▼ 0.25% · 3.875%
HK$171,821
−HK$4,553/mo
Today · 4.125%
HK$176,374
baseline
▲ 0.50% · 4.625%
HK$185,671
+HK$9,297/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$352,748/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,467 · Scale 2, in force from 26 Feb 2026)