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$83,655
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,257
−HK$2,644/mo
Today · 4.125%
HK$88,901
baseline
▲ 0.50% · 4.625%
HK$94,310
+HK$5,409/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$177,802/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,065
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,561
−HK$2,532/mo
Today · 4.125%
HK$98,093
baseline
▲ 0.50% · 4.625%
HK$103,264
+HK$5,171/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$196,186/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,386
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,509
−HK$3,172/mo
Today · 4.125%
HK$106,681
baseline
▲ 0.50% · 4.625%
HK$113,172
+HK$6,491/mo
Deposit HK$14.67M · loan HK$22.01M · min. income ≈ HK$213,362/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,678
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,674
−HK$3,038/mo
Today · 4.125%
HK$117,712
baseline
▲ 0.50% · 4.625%
HK$123,917
+HK$6,205/mo
Deposit HK$14.67M · loan HK$22.01M · min. income ≈ HK$235,424/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,117
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,760
−HK$3,701/mo
Today · 4.125%
HK$124,461
baseline
▲ 0.50% · 4.625%
HK$132,034
+HK$7,573/mo
Deposit HK$11.01M · loan HK$25.68M · min. income ≈ HK$248,922/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,291
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,786
−HK$3,545/mo
Today · 4.125%
HK$137,331
baseline
▲ 0.50% · 4.625%
HK$144,570
+HK$7,239/mo
Deposit HK$11.01M · loan HK$25.68M · min. income ≈ HK$274,662/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,579
−HK$9,443/mo
▼ 0.25% · 3.875%
HK$155,263
−HK$4,759/mo
Today · 4.125%
HK$160,022
baseline
▲ 0.50% · 4.625%
HK$169,758
+HK$9,736/mo
Deposit HK$3.67M · loan HK$33.02M · min. income ≈ HK$320,044/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,518
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$172,010
−HK$4,558/mo
Today · 4.125%
HK$176,568
baseline
▲ 0.50% · 4.625%
HK$185,875
+HK$9,307/mo
Deposit HK$3.67M · loan HK$33.02M · min. income ≈ HK$353,136/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,183 · Scale 2, in force from 26 Feb 2026)