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$83,827
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,435
−HK$2,649/mo
Today · 4.125%
HK$89,084
baseline
▲ 0.50% · 4.625%
HK$94,505
+HK$5,421/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,168/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,257
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,758
−HK$2,538/mo
Today · 4.125%
HK$98,296
baseline
▲ 0.50% · 4.625%
HK$103,477
+HK$5,181/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,592/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,593
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,722
−HK$3,179/mo
Today · 4.125%
HK$106,901
baseline
▲ 0.50% · 4.625%
HK$113,406
+HK$6,505/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$213,802/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,909
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,910
−HK$3,045/mo
Today · 4.125%
HK$117,955
baseline
▲ 0.50% · 4.625%
HK$124,172
+HK$6,217/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$235,910/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,358
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,009
−HK$3,709/mo
Today · 4.125%
HK$124,718
baseline
▲ 0.50% · 4.625%
HK$132,307
+HK$7,589/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,436/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,560
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,062
−HK$3,552/mo
Today · 4.125%
HK$137,614
baseline
▲ 0.50% · 4.625%
HK$144,868
+HK$7,254/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,228/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,889
−HK$9,462/mo
▼ 0.25% · 3.875%
HK$155,583
−HK$4,768/mo
Today · 4.125%
HK$160,351
baseline
▲ 0.50% · 4.625%
HK$170,108
+HK$9,757/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$320,702/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,863
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$172,365
−HK$4,567/mo
Today · 4.125%
HK$176,932
baseline
▲ 0.50% · 4.625%
HK$186,258
+HK$9,326/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$353,864/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,397 · Scale 2, in force from 26 Feb 2026)