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$83,536
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,135
−HK$2,640/mo
Today · 4.125%
HK$88,775
baseline
▲ 0.50% · 4.625%
HK$94,177
+HK$5,402/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,550/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,933
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,426
−HK$2,528/mo
Today · 4.125%
HK$97,954
baseline
▲ 0.50% · 4.625%
HK$103,118
+HK$5,164/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,908/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,244
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,362
−HK$3,168/mo
Today · 4.125%
HK$106,530
baseline
▲ 0.50% · 4.625%
HK$113,012
+HK$6,482/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$213,060/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,520
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,511
−HK$3,034/mo
Today · 4.125%
HK$117,545
baseline
▲ 0.50% · 4.625%
HK$123,741
+HK$6,196/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$235,090/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,951
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,589
−HK$3,696/mo
Today · 4.125%
HK$124,285
baseline
▲ 0.50% · 4.625%
HK$131,847
+HK$7,562/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$248,570/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,107
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$133,596
−HK$3,540/mo
Today · 4.125%
HK$137,136
baseline
▲ 0.50% · 4.625%
HK$144,365
+HK$7,229/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$274,272/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,366
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$155,043
−HK$4,752/mo
Today · 4.125%
HK$159,795
baseline
▲ 0.50% · 4.625%
HK$169,518
+HK$9,723/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$319,590/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,280
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$171,767
−HK$4,551/mo
Today · 4.125%
HK$176,318
baseline
▲ 0.50% · 4.625%
HK$185,612
+HK$9,294/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$352,636/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,975 · Scale 2, in force from 26 Feb 2026)