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$83,938
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,549
−HK$2,653/mo
Today · 4.125%
HK$89,202
baseline
▲ 0.50% · 4.625%
HK$94,629
+HK$5,427/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,404/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,380
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,884
−HK$2,541/mo
Today · 4.125%
HK$98,425
baseline
▲ 0.50% · 4.625%
HK$103,613
+HK$5,188/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,850/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,725
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,859
−HK$3,183/mo
Today · 4.125%
HK$107,042
baseline
▲ 0.50% · 4.625%
HK$113,555
+HK$6,513/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$214,084/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,056
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,061
−HK$3,049/mo
Today · 4.125%
HK$118,110
baseline
▲ 0.50% · 4.625%
HK$124,336
+HK$6,226/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$236,220/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,513
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,168
−HK$3,714/mo
Today · 4.125%
HK$124,882
baseline
▲ 0.50% · 4.625%
HK$132,481
+HK$7,599/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,764/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,732
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,238
−HK$3,557/mo
Today · 4.125%
HK$137,795
baseline
▲ 0.50% · 4.625%
HK$145,058
+HK$7,263/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,590/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,088
−HK$9,475/mo
▼ 0.25% · 3.875%
HK$155,788
−HK$4,775/mo
Today · 4.125%
HK$160,563
baseline
▲ 0.50% · 4.625%
HK$170,333
+HK$9,770/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,126/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,084
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$172,592
−HK$4,573/mo
Today · 4.125%
HK$177,165
baseline
▲ 0.50% · 4.625%
HK$186,504
+HK$9,339/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,330/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,456 · Scale 2, in force from 26 Feb 2026)