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$83,515
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,113
−HK$2,640/mo
Today · 4.125%
HK$88,753
baseline
▲ 0.50% · 4.625%
HK$94,153
+HK$5,400/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,506/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,910
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,402
−HK$2,528/mo
Today · 4.125%
HK$97,930
baseline
▲ 0.50% · 4.625%
HK$103,092
+HK$5,162/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,860/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,218
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,336
−HK$3,167/mo
Today · 4.125%
HK$106,503
baseline
▲ 0.50% · 4.625%
HK$112,983
+HK$6,480/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$213,006/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,492
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,482
−HK$3,034/mo
Today · 4.125%
HK$117,516
baseline
▲ 0.50% · 4.625%
HK$123,710
+HK$6,194/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$235,032/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,921
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$120,558
−HK$3,696/mo
Today · 4.125%
HK$124,254
baseline
▲ 0.50% · 4.625%
HK$131,814
+HK$7,560/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$248,508/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,074
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,563
−HK$3,538/mo
Today · 4.125%
HK$137,101
baseline
▲ 0.50% · 4.625%
HK$144,328
+HK$7,227/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$274,202/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,328
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$155,004
−HK$4,751/mo
Today · 4.125%
HK$159,755
baseline
▲ 0.50% · 4.625%
HK$169,475
+HK$9,720/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$319,510/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,238
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$171,723
−HK$4,550/mo
Today · 4.125%
HK$176,273
baseline
▲ 0.50% · 4.625%
HK$185,565
+HK$9,292/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$352,546/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,581 · Scale 2, in force from 26 Feb 2026)