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$83,801
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,407
−HK$2,649/mo
Today · 4.125%
HK$89,056
baseline
▲ 0.50% · 4.625%
HK$94,475
+HK$5,419/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,112/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,227
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,728
−HK$2,536/mo
Today · 4.125%
HK$98,264
baseline
▲ 0.50% · 4.625%
HK$103,444
+HK$5,180/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,528/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,561
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,689
−HK$3,178/mo
Today · 4.125%
HK$106,867
baseline
▲ 0.50% · 4.625%
HK$113,369
+HK$6,502/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$213,734/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,873
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,873
−HK$3,044/mo
Today · 4.125%
HK$117,917
baseline
▲ 0.50% · 4.625%
HK$124,133
+HK$6,216/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$235,834/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,321
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$120,970
−HK$3,708/mo
Today · 4.125%
HK$124,678
baseline
▲ 0.50% · 4.625%
HK$132,264
+HK$7,586/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,356/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,518
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$134,019
−HK$3,551/mo
Today · 4.125%
HK$137,570
baseline
▲ 0.50% · 4.625%
HK$144,821
+HK$7,251/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,140/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,841
−HK$9,459/mo
▼ 0.25% · 3.875%
HK$155,533
−HK$4,767/mo
Today · 4.125%
HK$160,300
baseline
▲ 0.50% · 4.625%
HK$170,054
+HK$9,754/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$320,600/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,809
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$172,310
−HK$4,565/mo
Today · 4.125%
HK$176,875
baseline
▲ 0.50% · 4.625%
HK$186,199
+HK$9,324/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$353,750/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,898 · Scale 2, in force from 26 Feb 2026)