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$83,798
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,405
−HK$2,648/mo
Today · 4.125%
HK$89,053
baseline
▲ 0.50% · 4.625%
HK$94,472
+HK$5,419/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,106/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,225
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,725
−HK$2,536/mo
Today · 4.125%
HK$98,261
baseline
▲ 0.50% · 4.625%
HK$103,441
+HK$5,180/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,522/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,558
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,686
−HK$3,178/mo
Today · 4.125%
HK$106,864
baseline
▲ 0.50% · 4.625%
HK$113,366
+HK$6,502/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$213,728/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,870
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,870
−HK$3,044/mo
Today · 4.125%
HK$117,914
baseline
▲ 0.50% · 4.625%
HK$124,129
+HK$6,215/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$235,828/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,317
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$120,967
−HK$3,707/mo
Today · 4.125%
HK$124,674
baseline
▲ 0.50% · 4.625%
HK$132,260
+HK$7,586/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$249,348/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,514
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$134,015
−HK$3,551/mo
Today · 4.125%
HK$137,566
baseline
▲ 0.50% · 4.625%
HK$144,817
+HK$7,251/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$275,132/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,837
−HK$9,459/mo
▼ 0.25% · 3.875%
HK$155,529
−HK$4,767/mo
Today · 4.125%
HK$160,296
baseline
▲ 0.50% · 4.625%
HK$170,049
+HK$9,753/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$320,592/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,804
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$172,305
−HK$4,565/mo
Today · 4.125%
HK$176,870
baseline
▲ 0.50% · 4.625%
HK$186,193
+HK$9,323/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$353,740/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,852 · Scale 2, in force from 26 Feb 2026)