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$83,827
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,434
−HK$2,650/mo
Today · 4.125%
HK$89,084
baseline
▲ 0.50% · 4.625%
HK$94,504
+HK$5,420/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,168/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,257
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,758
−HK$2,537/mo
Today · 4.125%
HK$98,295
baseline
▲ 0.50% · 4.625%
HK$103,476
+HK$5,181/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,590/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,592
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,721
−HK$3,179/mo
Today · 4.125%
HK$106,900
baseline
▲ 0.50% · 4.625%
HK$113,405
+HK$6,505/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$213,800/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,908
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,909
−HK$3,045/mo
Today · 4.125%
HK$117,954
baseline
▲ 0.50% · 4.625%
HK$124,172
+HK$6,218/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$235,908/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,358
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$121,008
−HK$3,709/mo
Today · 4.125%
HK$124,717
baseline
▲ 0.50% · 4.625%
HK$132,306
+HK$7,589/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,434/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,559
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,061
−HK$3,552/mo
Today · 4.125%
HK$137,613
baseline
▲ 0.50% · 4.625%
HK$144,867
+HK$7,254/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,226/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,889
−HK$9,462/mo
▼ 0.25% · 3.875%
HK$155,582
−HK$4,769/mo
Today · 4.125%
HK$160,351
baseline
▲ 0.50% · 4.625%
HK$170,108
+HK$9,757/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$320,702/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,862
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$172,364
−HK$4,567/mo
Today · 4.125%
HK$176,931
baseline
▲ 0.50% · 4.625%
HK$186,257
+HK$9,326/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$353,862/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,389 · Scale 2, in force from 26 Feb 2026)