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$83,747
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,352
−HK$2,646/mo
Today · 4.125%
HK$88,998
baseline
▲ 0.50% · 4.625%
HK$94,414
+HK$5,416/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,996/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,167
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,666
−HK$2,535/mo
Today · 4.125%
HK$98,201
baseline
▲ 0.50% · 4.625%
HK$103,377
+HK$5,176/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,402/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,496
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,622
−HK$3,176/mo
Today · 4.125%
HK$106,798
baseline
▲ 0.50% · 4.625%
HK$113,297
+HK$6,499/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,596/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,801
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,799
−HK$3,042/mo
Today · 4.125%
HK$117,841
baseline
▲ 0.50% · 4.625%
HK$124,053
+HK$6,212/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,682/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,246
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,893
−HK$3,705/mo
Today · 4.125%
HK$124,598
baseline
▲ 0.50% · 4.625%
HK$132,179
+HK$7,581/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,196/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,434
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,933
−HK$3,548/mo
Today · 4.125%
HK$137,481
baseline
▲ 0.50% · 4.625%
HK$144,728
+HK$7,247/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,962/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,744
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,433
−HK$4,764/mo
Today · 4.125%
HK$160,197
baseline
▲ 0.50% · 4.625%
HK$169,945
+HK$9,748/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$320,394/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,701
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$172,199
−HK$4,563/mo
Today · 4.125%
HK$176,762
baseline
▲ 0.50% · 4.625%
HK$186,079
+HK$9,317/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$353,524/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,895 · Scale 2, in force from 26 Feb 2026)