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$83,739
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,344
−HK$2,646/mo
Today · 4.125%
HK$88,990
baseline
▲ 0.50% · 4.625%
HK$94,405
+HK$5,415/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,980/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,159
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,657
−HK$2,535/mo
Today · 4.125%
HK$98,192
baseline
▲ 0.50% · 4.625%
HK$103,368
+HK$5,176/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,384/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,487
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,612
−HK$3,176/mo
Today · 4.125%
HK$106,788
baseline
▲ 0.50% · 4.625%
HK$113,286
+HK$6,498/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$213,576/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,790
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,789
−HK$3,041/mo
Today · 4.125%
HK$117,830
baseline
▲ 0.50% · 4.625%
HK$124,041
+HK$6,211/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$235,660/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,234
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,881
−HK$3,705/mo
Today · 4.125%
HK$124,586
baseline
▲ 0.50% · 4.625%
HK$132,167
+HK$7,581/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,172/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,422
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,920
−HK$3,548/mo
Today · 4.125%
HK$137,468
baseline
▲ 0.50% · 4.625%
HK$144,715
+HK$7,247/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,936/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,730
−HK$9,452/mo
▼ 0.25% · 3.875%
HK$155,419
−HK$4,763/mo
Today · 4.125%
HK$160,182
baseline
▲ 0.50% · 4.625%
HK$169,929
+HK$9,747/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$320,364/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,686
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$172,183
−HK$4,562/mo
Today · 4.125%
HK$176,745
baseline
▲ 0.50% · 4.625%
HK$186,062
+HK$9,317/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$353,490/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,747 · Scale 2, in force from 26 Feb 2026)