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$83,490
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,087
−HK$2,639/mo
Today · 4.125%
HK$88,726
baseline
▲ 0.50% · 4.625%
HK$94,124
+HK$5,398/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,452/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,882
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,373
−HK$2,527/mo
Today · 4.125%
HK$97,900
baseline
▲ 0.50% · 4.625%
HK$103,060
+HK$5,160/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,800/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,188
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,304
−HK$3,167/mo
Today · 4.125%
HK$106,471
baseline
▲ 0.50% · 4.625%
HK$112,949
+HK$6,478/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$212,942/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,458
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,447
−HK$3,033/mo
Today · 4.125%
HK$117,480
baseline
▲ 0.50% · 4.625%
HK$123,672
+HK$6,192/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$234,960/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,886
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,522
−HK$3,694/mo
Today · 4.125%
HK$124,216
baseline
▲ 0.50% · 4.625%
HK$131,774
+HK$7,558/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$248,432/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,034
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,522
−HK$3,538/mo
Today · 4.125%
HK$137,060
baseline
▲ 0.50% · 4.625%
HK$144,284
+HK$7,224/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$274,120/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,282
−HK$9,424/mo
▼ 0.25% · 3.875%
HK$154,957
−HK$4,749/mo
Today · 4.125%
HK$159,706
baseline
▲ 0.50% · 4.625%
HK$169,424
+HK$9,718/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,412/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,187
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$171,671
−HK$4,549/mo
Today · 4.125%
HK$176,220
baseline
▲ 0.50% · 4.625%
HK$185,509
+HK$9,289/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,440/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,108 · Scale 2, in force from 26 Feb 2026)