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$83,749
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,354
−HK$2,647/mo
Today · 4.125%
HK$89,001
baseline
▲ 0.50% · 4.625%
HK$94,416
+HK$5,415/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$178,002/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,170
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,669
−HK$2,535/mo
Today · 4.125%
HK$98,204
baseline
▲ 0.50% · 4.625%
HK$103,380
+HK$5,176/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,408/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,499
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,625
−HK$3,176/mo
Today · 4.125%
HK$106,801
baseline
▲ 0.50% · 4.625%
HK$113,300
+HK$6,499/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,602/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,804
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,803
−HK$3,041/mo
Today · 4.125%
HK$117,844
baseline
▲ 0.50% · 4.625%
HK$124,056
+HK$6,212/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,688/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,249
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,896
−HK$3,705/mo
Today · 4.125%
HK$124,601
baseline
▲ 0.50% · 4.625%
HK$132,183
+HK$7,582/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,202/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,438
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,936
−HK$3,549/mo
Today · 4.125%
HK$137,485
baseline
▲ 0.50% · 4.625%
HK$144,732
+HK$7,247/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,970/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,748
−HK$9,454/mo
▼ 0.25% · 3.875%
HK$155,438
−HK$4,764/mo
Today · 4.125%
HK$160,202
baseline
▲ 0.50% · 4.625%
HK$169,950
+HK$9,748/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,404/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,706
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$172,204
−HK$4,563/mo
Today · 4.125%
HK$176,767
baseline
▲ 0.50% · 4.625%
HK$186,084
+HK$9,317/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,534/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,938 · Scale 2, in force from 26 Feb 2026)