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$83,674
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,277
−HK$2,645/mo
Today · 4.125%
HK$88,922
baseline
▲ 0.50% · 4.625%
HK$94,332
+HK$5,410/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,844/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,087
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,584
−HK$2,532/mo
Today · 4.125%
HK$98,116
baseline
▲ 0.50% · 4.625%
HK$103,288
+HK$5,172/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,232/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,409
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,533
−HK$3,173/mo
Today · 4.125%
HK$106,706
baseline
▲ 0.50% · 4.625%
HK$113,199
+HK$6,493/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,412/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,704
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,700
−HK$3,039/mo
Today · 4.125%
HK$117,739
baseline
▲ 0.50% · 4.625%
HK$123,946
+HK$6,207/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,478/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,144
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,788
−HK$3,702/mo
Today · 4.125%
HK$124,490
baseline
▲ 0.50% · 4.625%
HK$132,065
+HK$7,575/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$248,980/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,322
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,817
−HK$3,546/mo
Today · 4.125%
HK$137,363
baseline
▲ 0.50% · 4.625%
HK$144,603
+HK$7,240/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,726/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,614
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$155,299
−HK$4,760/mo
Today · 4.125%
HK$160,059
baseline
▲ 0.50% · 4.625%
HK$169,798
+HK$9,739/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,118/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,557
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$172,050
−HK$4,559/mo
Today · 4.125%
HK$176,609
baseline
▲ 0.50% · 4.625%
HK$185,918
+HK$9,309/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,218/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,546 · Scale 2, in force from 26 Feb 2026)