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$83,333
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,925
−HK$2,634/mo
Today · 4.125%
HK$88,559
baseline
▲ 0.50% · 4.625%
HK$93,947
+HK$5,388/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,118/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,707
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,193
−HK$2,523/mo
Today · 4.125%
HK$97,716
baseline
▲ 0.50% · 4.625%
HK$102,866
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,432/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,999
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,110
−HK$3,160/mo
Today · 4.125%
HK$106,270
baseline
▲ 0.50% · 4.625%
HK$112,737
+HK$6,467/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,540/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,248
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,232
−HK$3,027/mo
Today · 4.125%
HK$117,259
baseline
▲ 0.50% · 4.625%
HK$123,440
+HK$6,181/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,518/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,666
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,295
−HK$3,687/mo
Today · 4.125%
HK$123,982
baseline
▲ 0.50% · 4.625%
HK$131,526
+HK$7,544/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,964/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,790
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,271
−HK$3,531/mo
Today · 4.125%
HK$136,802
baseline
▲ 0.50% · 4.625%
HK$144,013
+HK$7,211/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,604/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,999
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$154,665
−HK$4,741/mo
Today · 4.125%
HK$159,406
baseline
▲ 0.50% · 4.625%
HK$169,105
+HK$9,699/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,812/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,873
−HK$9,015/mo
▼ 0.25% · 3.875%
HK$171,348
−HK$4,540/mo
Today · 4.125%
HK$175,888
baseline
▲ 0.50% · 4.625%
HK$185,160
+HK$9,272/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,776/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,181 · Scale 2, in force from 26 Feb 2026)