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$83,402
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,996
−HK$2,636/mo
Today · 4.125%
HK$88,632
baseline
▲ 0.50% · 4.625%
HK$94,025
+HK$5,393/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,264/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,784
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,272
−HK$2,524/mo
Today · 4.125%
HK$97,796
baseline
▲ 0.50% · 4.625%
HK$102,951
+HK$5,155/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,592/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,082
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,195
−HK$3,163/mo
Today · 4.125%
HK$106,358
baseline
▲ 0.50% · 4.625%
HK$112,830
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,716/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,340
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,326
−HK$3,030/mo
Today · 4.125%
HK$117,356
baseline
▲ 0.50% · 4.625%
HK$123,542
+HK$6,186/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,712/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,762
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,394
−HK$3,691/mo
Today · 4.125%
HK$124,085
baseline
▲ 0.50% · 4.625%
HK$131,635
+HK$7,550/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$248,170/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,897
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,381
−HK$3,534/mo
Today · 4.125%
HK$136,915
baseline
▲ 0.50% · 4.625%
HK$144,132
+HK$7,217/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$273,830/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,123
−HK$9,414/mo
▼ 0.25% · 3.875%
HK$154,793
−HK$4,744/mo
Today · 4.125%
HK$159,537
baseline
▲ 0.50% · 4.625%
HK$169,245
+HK$9,708/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,074/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,011
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$171,490
−HK$4,544/mo
Today · 4.125%
HK$176,034
baseline
▲ 0.50% · 4.625%
HK$185,313
+HK$9,279/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,068/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,464 · Scale 2, in force from 26 Feb 2026)