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$83,816
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,423
−HK$2,649/mo
Today · 4.125%
HK$89,072
baseline
▲ 0.50% · 4.625%
HK$94,492
+HK$5,420/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,144/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,245
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,745
−HK$2,537/mo
Today · 4.125%
HK$98,282
baseline
▲ 0.50% · 4.625%
HK$103,463
+HK$5,181/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,564/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,579
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,708
−HK$3,179/mo
Today · 4.125%
HK$106,887
baseline
▲ 0.50% · 4.625%
HK$113,390
+HK$6,503/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$213,774/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,894
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,894
−HK$3,045/mo
Today · 4.125%
HK$117,939
baseline
▲ 0.50% · 4.625%
HK$124,156
+HK$6,217/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$235,878/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,343
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$120,993
−HK$3,708/mo
Today · 4.125%
HK$124,701
baseline
▲ 0.50% · 4.625%
HK$132,289
+HK$7,588/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,402/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,542
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,044
−HK$3,551/mo
Today · 4.125%
HK$137,595
baseline
▲ 0.50% · 4.625%
HK$144,848
+HK$7,253/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,190/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,869
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$155,562
−HK$4,768/mo
Today · 4.125%
HK$160,330
baseline
▲ 0.50% · 4.625%
HK$170,086
+HK$9,756/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$320,660/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,840
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$172,342
−HK$4,566/mo
Today · 4.125%
HK$176,908
baseline
▲ 0.50% · 4.625%
HK$186,233
+HK$9,325/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$353,816/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,187 · Scale 2, in force from 26 Feb 2026)