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$83,752
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,357
−HK$2,647/mo
Today · 4.125%
HK$89,004
baseline
▲ 0.50% · 4.625%
HK$94,420
+HK$5,416/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$178,008/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,173
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,672
−HK$2,535/mo
Today · 4.125%
HK$98,207
baseline
▲ 0.50% · 4.625%
HK$103,384
+HK$5,177/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,414/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,503
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,629
−HK$3,176/mo
Today · 4.125%
HK$106,805
baseline
▲ 0.50% · 4.625%
HK$113,304
+HK$6,499/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,610/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,808
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,807
−HK$3,042/mo
Today · 4.125%
HK$117,849
baseline
▲ 0.50% · 4.625%
HK$124,061
+HK$6,212/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,698/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,253
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,900
−HK$3,706/mo
Today · 4.125%
HK$124,606
baseline
▲ 0.50% · 4.625%
HK$132,188
+HK$7,582/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,212/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,443
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,941
−HK$3,549/mo
Today · 4.125%
HK$137,490
baseline
▲ 0.50% · 4.625%
HK$144,738
+HK$7,248/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,980/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,754
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,443
−HK$4,764/mo
Today · 4.125%
HK$160,207
baseline
▲ 0.50% · 4.625%
HK$169,956
+HK$9,749/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,414/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,712
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$172,210
−HK$4,563/mo
Today · 4.125%
HK$176,773
baseline
▲ 0.50% · 4.625%
HK$186,091
+HK$9,318/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,546/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,995 · Scale 2, in force from 26 Feb 2026)