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$83,558
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,158
−HK$2,640/mo
Today · 4.125%
HK$88,798
baseline
▲ 0.50% · 4.625%
HK$94,201
+HK$5,403/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,596/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,958
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,451
−HK$2,529/mo
Today · 4.125%
HK$97,980
baseline
▲ 0.50% · 4.625%
HK$103,145
+HK$5,165/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,960/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,270
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,389
−HK$3,169/mo
Today · 4.125%
HK$106,558
baseline
▲ 0.50% · 4.625%
HK$113,042
+HK$6,484/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,116/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,550
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,541
−HK$3,035/mo
Today · 4.125%
HK$117,576
baseline
▲ 0.50% · 4.625%
HK$123,774
+HK$6,198/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,152/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,982
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,621
−HK$3,697/mo
Today · 4.125%
HK$124,318
baseline
▲ 0.50% · 4.625%
HK$131,882
+HK$7,564/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,636/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,141
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,631
−HK$3,541/mo
Today · 4.125%
HK$137,172
baseline
▲ 0.50% · 4.625%
HK$144,403
+HK$7,231/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,344/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,405
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$155,084
−HK$4,753/mo
Today · 4.125%
HK$159,837
baseline
▲ 0.50% · 4.625%
HK$169,563
+HK$9,726/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$319,674/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,324
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$171,812
−HK$4,552/mo
Today · 4.125%
HK$176,364
baseline
▲ 0.50% · 4.625%
HK$185,661
+HK$9,297/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$352,728/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,384 · Scale 2, in force from 26 Feb 2026)