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$83,529
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,127
−HK$2,640/mo
Today · 4.125%
HK$88,767
baseline
▲ 0.50% · 4.625%
HK$94,168
+HK$5,401/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,534/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,925
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,417
−HK$2,529/mo
Today · 4.125%
HK$97,946
baseline
▲ 0.50% · 4.625%
HK$103,108
+HK$5,162/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,892/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,235
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,353
−HK$3,167/mo
Today · 4.125%
HK$106,520
baseline
▲ 0.50% · 4.625%
HK$113,002
+HK$6,482/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$213,040/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,510
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,501
−HK$3,034/mo
Today · 4.125%
HK$117,535
baseline
▲ 0.50% · 4.625%
HK$123,730
+HK$6,195/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$235,070/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,941
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$120,578
−HK$3,696/mo
Today · 4.125%
HK$124,274
baseline
▲ 0.50% · 4.625%
HK$131,836
+HK$7,562/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$248,548/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,095
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$133,584
−HK$3,540/mo
Today · 4.125%
HK$137,124
baseline
▲ 0.50% · 4.625%
HK$144,352
+HK$7,228/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$274,248/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,352
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$155,029
−HK$4,752/mo
Today · 4.125%
HK$159,781
baseline
▲ 0.50% · 4.625%
HK$169,503
+HK$9,722/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$319,562/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,265
−HK$9,037/mo
▼ 0.25% · 3.875%
HK$171,751
−HK$4,551/mo
Today · 4.125%
HK$176,302
baseline
▲ 0.50% · 4.625%
HK$185,595
+HK$9,293/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$352,604/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,835 · Scale 2, in force from 26 Feb 2026)