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$83,871
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,480
−HK$2,651/mo
Today · 4.125%
HK$89,131
baseline
▲ 0.50% · 4.625%
HK$94,554
+HK$5,423/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,262/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,306
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,809
−HK$2,538/mo
Today · 4.125%
HK$98,347
baseline
▲ 0.50% · 4.625%
HK$103,531
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,694/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,646
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,776
−HK$3,181/mo
Today · 4.125%
HK$106,957
baseline
▲ 0.50% · 4.625%
HK$113,465
+HK$6,508/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,914/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,967
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,970
−HK$3,047/mo
Today · 4.125%
HK$118,017
baseline
▲ 0.50% · 4.625%
HK$124,237
+HK$6,220/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,034/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,420
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,072
−HK$3,711/mo
Today · 4.125%
HK$124,783
baseline
▲ 0.50% · 4.625%
HK$132,376
+HK$7,593/mo
Deposit HK$11.03M · loan HK$25.75M · min. income ≈ HK$249,566/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,629
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,132
−HK$3,554/mo
Today · 4.125%
HK$137,686
baseline
▲ 0.50% · 4.625%
HK$144,944
+HK$7,258/mo
Deposit HK$11.03M · loan HK$25.75M · min. income ≈ HK$275,372/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,969
−HK$9,467/mo
▼ 0.25% · 3.875%
HK$155,665
−HK$4,771/mo
Today · 4.125%
HK$160,436
baseline
▲ 0.50% · 4.625%
HK$170,198
+HK$9,762/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$320,872/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,951
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$172,455
−HK$4,570/mo
Today · 4.125%
HK$177,025
baseline
▲ 0.50% · 4.625%
HK$186,356
+HK$9,331/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$354,050/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,217 · Scale 2, in force from 26 Feb 2026)