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$83,560
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,159
−HK$2,641/mo
Today · 4.125%
HK$88,800
baseline
▲ 0.50% · 4.625%
HK$94,203
+HK$5,403/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,600/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,960
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,453
−HK$2,529/mo
Today · 4.125%
HK$97,982
baseline
▲ 0.50% · 4.625%
HK$103,147
+HK$5,165/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,964/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,272
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,391
−HK$3,169/mo
Today · 4.125%
HK$106,560
baseline
▲ 0.50% · 4.625%
HK$113,044
+HK$6,484/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,120/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,552
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,544
−HK$3,035/mo
Today · 4.125%
HK$117,579
baseline
▲ 0.50% · 4.625%
HK$123,776
+HK$6,197/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,158/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,984
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,623
−HK$3,697/mo
Today · 4.125%
HK$124,320
baseline
▲ 0.50% · 4.625%
HK$131,885
+HK$7,565/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,640/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,144
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,634
−HK$3,541/mo
Today · 4.125%
HK$137,175
baseline
▲ 0.50% · 4.625%
HK$144,406
+HK$7,231/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,350/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,408
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$155,087
−HK$4,753/mo
Today · 4.125%
HK$159,840
baseline
▲ 0.50% · 4.625%
HK$169,566
+HK$9,726/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$319,680/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,328
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$171,815
−HK$4,553/mo
Today · 4.125%
HK$176,368
baseline
▲ 0.50% · 4.625%
HK$185,665
+HK$9,297/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$352,736/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,417 · Scale 2, in force from 26 Feb 2026)