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$83,773
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,378
−HK$2,648/mo
Today · 4.125%
HK$89,026
baseline
▲ 0.50% · 4.625%
HK$94,443
+HK$5,417/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,052/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,196
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,696
−HK$2,535/mo
Today · 4.125%
HK$98,231
baseline
▲ 0.50% · 4.625%
HK$103,409
+HK$5,178/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,462/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,527
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,654
−HK$3,177/mo
Today · 4.125%
HK$106,831
baseline
▲ 0.50% · 4.625%
HK$113,331
+HK$6,500/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$213,662/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,835
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,835
−HK$3,042/mo
Today · 4.125%
HK$117,877
baseline
▲ 0.50% · 4.625%
HK$124,091
+HK$6,214/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$235,754/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,282
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,930
−HK$3,706/mo
Today · 4.125%
HK$124,636
baseline
▲ 0.50% · 4.625%
HK$132,220
+HK$7,584/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$249,272/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,475
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,974
−HK$3,550/mo
Today · 4.125%
HK$137,524
baseline
▲ 0.50% · 4.625%
HK$144,773
+HK$7,249/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$275,048/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,791
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$155,481
−HK$4,766/mo
Today · 4.125%
HK$160,247
baseline
▲ 0.50% · 4.625%
HK$169,997
+HK$9,750/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,494/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,753
−HK$9,063/mo
▼ 0.25% · 3.875%
HK$172,252
−HK$4,564/mo
Today · 4.125%
HK$176,816
baseline
▲ 0.50% · 4.625%
HK$186,136
+HK$9,320/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,632/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,375 · Scale 2, in force from 26 Feb 2026)