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$83,884
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,493
−HK$2,651/mo
Today · 4.125%
HK$89,144
baseline
▲ 0.50% · 4.625%
HK$94,568
+HK$5,424/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,288/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,320
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,822
−HK$2,539/mo
Today · 4.125%
HK$98,361
baseline
▲ 0.50% · 4.625%
HK$103,546
+HK$5,185/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,722/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,660
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,791
−HK$3,182/mo
Today · 4.125%
HK$106,973
baseline
▲ 0.50% · 4.625%
HK$113,482
+HK$6,509/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,946/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,984
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,987
−HK$3,047/mo
Today · 4.125%
HK$118,034
baseline
▲ 0.50% · 4.625%
HK$124,255
+HK$6,221/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,068/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,437
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,090
−HK$3,711/mo
Today · 4.125%
HK$124,801
baseline
▲ 0.50% · 4.625%
HK$132,395
+HK$7,594/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,602/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,647
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,151
−HK$3,555/mo
Today · 4.125%
HK$137,706
baseline
▲ 0.50% · 4.625%
HK$144,965
+HK$7,259/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,412/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,990
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,687
−HK$4,772/mo
Today · 4.125%
HK$160,459
baseline
▲ 0.50% · 4.625%
HK$170,222
+HK$9,763/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,918/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,975
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,480
−HK$4,570/mo
Today · 4.125%
HK$177,050
baseline
▲ 0.50% · 4.625%
HK$186,383
+HK$9,333/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,100/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,443 · Scale 2, in force from 26 Feb 2026)