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$83,754
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,359
−HK$2,647/mo
Today · 4.125%
HK$89,006
baseline
▲ 0.50% · 4.625%
HK$94,422
+HK$5,416/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,012/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,176
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,675
−HK$2,535/mo
Today · 4.125%
HK$98,210
baseline
▲ 0.50% · 4.625%
HK$103,386
+HK$5,176/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,420/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,505
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,631
−HK$3,177/mo
Today · 4.125%
HK$106,808
baseline
▲ 0.50% · 4.625%
HK$113,307
+HK$6,499/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,616/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,811
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,810
−HK$3,042/mo
Today · 4.125%
HK$117,852
baseline
▲ 0.50% · 4.625%
HK$124,064
+HK$6,212/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,704/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,256
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,903
−HK$3,706/mo
Today · 4.125%
HK$124,609
baseline
▲ 0.50% · 4.625%
HK$132,191
+HK$7,582/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,218/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,446
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,945
−HK$3,549/mo
Today · 4.125%
HK$137,494
baseline
▲ 0.50% · 4.625%
HK$144,741
+HK$7,247/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,988/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,758
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,447
−HK$4,764/mo
Today · 4.125%
HK$160,211
baseline
▲ 0.50% · 4.625%
HK$169,960
+HK$9,749/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,422/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,716
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$172,214
−HK$4,564/mo
Today · 4.125%
HK$176,778
baseline
▲ 0.50% · 4.625%
HK$186,096
+HK$9,318/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,556/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,033 · Scale 2, in force from 26 Feb 2026)