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$83,698
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,301
−HK$2,645/mo
Today · 4.125%
HK$88,946
baseline
▲ 0.50% · 4.625%
HK$94,358
+HK$5,412/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,892/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,113
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,610
−HK$2,533/mo
Today · 4.125%
HK$98,143
baseline
▲ 0.50% · 4.625%
HK$103,317
+HK$5,174/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,286/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,437
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,561
−HK$3,175/mo
Today · 4.125%
HK$106,736
baseline
▲ 0.50% · 4.625%
HK$113,230
+HK$6,494/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,472/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,735
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,732
−HK$3,040/mo
Today · 4.125%
HK$117,772
baseline
▲ 0.50% · 4.625%
HK$123,980
+HK$6,208/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,544/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,177
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$120,822
−HK$3,703/mo
Today · 4.125%
HK$124,525
baseline
▲ 0.50% · 4.625%
HK$132,102
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,050/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,358
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$133,854
−HK$3,547/mo
Today · 4.125%
HK$137,401
baseline
▲ 0.50% · 4.625%
HK$144,643
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,802/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,656
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,342
−HK$4,761/mo
Today · 4.125%
HK$160,103
baseline
▲ 0.50% · 4.625%
HK$169,845
+HK$9,742/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,206/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,603
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,098
−HK$4,560/mo
Today · 4.125%
HK$176,658
baseline
▲ 0.50% · 4.625%
HK$185,970
+HK$9,312/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,316/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,980 · Scale 2, in force from 26 Feb 2026)