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$83,737
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,342
−HK$2,646/mo
Today · 4.125%
HK$88,988
baseline
▲ 0.50% · 4.625%
HK$94,403
+HK$5,415/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,976/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,157
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,655
−HK$2,535/mo
Today · 4.125%
HK$98,190
baseline
▲ 0.50% · 4.625%
HK$103,365
+HK$5,175/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,380/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,484
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,610
−HK$3,176/mo
Today · 4.125%
HK$106,786
baseline
▲ 0.50% · 4.625%
HK$113,283
+HK$6,497/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$213,572/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,788
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,786
−HK$3,041/mo
Today · 4.125%
HK$117,827
baseline
▲ 0.50% · 4.625%
HK$124,038
+HK$6,211/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$235,654/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,232
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,878
−HK$3,705/mo
Today · 4.125%
HK$124,583
baseline
▲ 0.50% · 4.625%
HK$132,164
+HK$7,581/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,166/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,419
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,917
−HK$3,548/mo
Today · 4.125%
HK$137,465
baseline
▲ 0.50% · 4.625%
HK$144,711
+HK$7,246/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,930/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,727
−HK$9,451/mo
▼ 0.25% · 3.875%
HK$155,415
−HK$4,763/mo
Today · 4.125%
HK$160,178
baseline
▲ 0.50% · 4.625%
HK$169,925
+HK$9,747/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$320,356/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,682
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$172,179
−HK$4,562/mo
Today · 4.125%
HK$176,741
baseline
▲ 0.50% · 4.625%
HK$186,057
+HK$9,316/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$353,482/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,712 · Scale 2, in force from 26 Feb 2026)