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$83,762
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,368
−HK$2,647/mo
Today · 4.125%
HK$89,015
baseline
▲ 0.50% · 4.625%
HK$94,431
+HK$5,416/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,030/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,185
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,684
−HK$2,535/mo
Today · 4.125%
HK$98,219
baseline
▲ 0.50% · 4.625%
HK$103,397
+HK$5,178/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,438/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,515
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,641
−HK$3,177/mo
Today · 4.125%
HK$106,818
baseline
▲ 0.50% · 4.625%
HK$113,318
+HK$6,500/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,636/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,822
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,821
−HK$3,042/mo
Today · 4.125%
HK$117,863
baseline
▲ 0.50% · 4.625%
HK$124,076
+HK$6,213/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,726/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,267
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,915
−HK$3,706/mo
Today · 4.125%
HK$124,621
baseline
▲ 0.50% · 4.625%
HK$132,204
+HK$7,583/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,242/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,459
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,958
−HK$3,549/mo
Today · 4.125%
HK$137,507
baseline
▲ 0.50% · 4.625%
HK$144,755
+HK$7,248/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$275,014/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,772
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$155,462
−HK$4,765/mo
Today · 4.125%
HK$160,227
baseline
▲ 0.50% · 4.625%
HK$169,977
+HK$9,750/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,454/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,733
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$172,231
−HK$4,564/mo
Today · 4.125%
HK$176,795
baseline
▲ 0.50% · 4.625%
HK$186,114
+HK$9,319/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,590/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,186 · Scale 2, in force from 26 Feb 2026)