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$83,727
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,332
−HK$2,646/mo
Today · 4.125%
HK$88,978
baseline
▲ 0.50% · 4.625%
HK$94,392
+HK$5,414/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,956/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,146
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,644
−HK$2,534/mo
Today · 4.125%
HK$98,178
baseline
▲ 0.50% · 4.625%
HK$103,354
+HK$5,176/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,356/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,473
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,598
−HK$3,176/mo
Today · 4.125%
HK$106,774
baseline
▲ 0.50% · 4.625%
HK$113,270
+HK$6,496/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$213,548/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,775
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,773
−HK$3,041/mo
Today · 4.125%
HK$117,814
baseline
▲ 0.50% · 4.625%
HK$124,024
+HK$6,210/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$235,628/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,218
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,865
−HK$3,704/mo
Today · 4.125%
HK$124,569
baseline
▲ 0.50% · 4.625%
HK$132,149
+HK$7,580/mo
Deposit HK$11.02M · loan HK$25.70M · min. income ≈ HK$249,138/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,404
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,902
−HK$3,548/mo
Today · 4.125%
HK$137,450
baseline
▲ 0.50% · 4.625%
HK$144,695
+HK$7,245/mo
Deposit HK$11.02M · loan HK$25.70M · min. income ≈ HK$274,900/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,709
−HK$9,451/mo
▼ 0.25% · 3.875%
HK$155,397
−HK$4,763/mo
Today · 4.125%
HK$160,160
baseline
▲ 0.50% · 4.625%
HK$169,906
+HK$9,746/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$320,320/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,663
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$172,159
−HK$4,562/mo
Today · 4.125%
HK$176,721
baseline
▲ 0.50% · 4.625%
HK$186,036
+HK$9,315/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$353,442/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,535 · Scale 2, in force from 26 Feb 2026)