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$83,918
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,529
−HK$2,652/mo
Today · 4.125%
HK$89,181
baseline
▲ 0.50% · 4.625%
HK$94,607
+HK$5,426/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,362/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,358
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,862
−HK$2,540/mo
Today · 4.125%
HK$98,402
baseline
▲ 0.50% · 4.625%
HK$103,589
+HK$5,187/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,804/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,702
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,834
−HK$3,183/mo
Today · 4.125%
HK$107,017
baseline
▲ 0.50% · 4.625%
HK$113,529
+HK$6,512/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$214,034/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,030
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,035
−HK$3,048/mo
Today · 4.125%
HK$118,083
baseline
▲ 0.50% · 4.625%
HK$124,307
+HK$6,224/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$236,166/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,486
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,140
−HK$3,713/mo
Today · 4.125%
HK$124,853
baseline
▲ 0.50% · 4.625%
HK$132,450
+HK$7,597/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$249,706/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,702
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,207
−HK$3,556/mo
Today · 4.125%
HK$137,763
baseline
▲ 0.50% · 4.625%
HK$145,025
+HK$7,262/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$275,526/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,053
−HK$9,472/mo
▼ 0.25% · 3.875%
HK$155,752
−HK$4,773/mo
Today · 4.125%
HK$160,525
baseline
▲ 0.50% · 4.625%
HK$170,293
+HK$9,768/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$321,050/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,045
−HK$9,079/mo
▼ 0.25% · 3.875%
HK$172,552
−HK$4,572/mo
Today · 4.125%
HK$177,124
baseline
▲ 0.50% · 4.625%
HK$186,460
+HK$9,336/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$354,248/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,564,092 · Scale 2, in force from 26 Feb 2026)