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$83,855
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,463
−HK$2,650/mo
Today · 4.125%
HK$89,113
baseline
▲ 0.50% · 4.625%
HK$94,535
+HK$5,422/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,226/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,287
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,789
−HK$2,538/mo
Today · 4.125%
HK$98,327
baseline
▲ 0.50% · 4.625%
HK$103,510
+HK$5,183/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,654/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,626
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,756
−HK$3,180/mo
Today · 4.125%
HK$106,936
baseline
▲ 0.50% · 4.625%
HK$113,442
+HK$6,506/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$213,872/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,945
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,947
−HK$3,046/mo
Today · 4.125%
HK$117,993
baseline
▲ 0.50% · 4.625%
HK$124,212
+HK$6,219/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$235,986/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,396
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,048
−HK$3,710/mo
Today · 4.125%
HK$124,758
baseline
▲ 0.50% · 4.625%
HK$132,349
+HK$7,591/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$249,516/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,602
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$134,105
−HK$3,553/mo
Today · 4.125%
HK$137,658
baseline
▲ 0.50% · 4.625%
HK$144,915
+HK$7,257/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$275,316/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,938
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$155,633
−HK$4,770/mo
Today · 4.125%
HK$160,403
baseline
▲ 0.50% · 4.625%
HK$170,164
+HK$9,761/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$320,806/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,917
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$172,421
−HK$4,568/mo
Today · 4.125%
HK$176,989
baseline
▲ 0.50% · 4.625%
HK$186,319
+HK$9,330/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$353,978/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,904 · Scale 2, in force from 26 Feb 2026)