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$83,876
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,485
−HK$2,651/mo
Today · 4.125%
HK$89,136
baseline
▲ 0.50% · 4.625%
HK$94,559
+HK$5,423/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,272/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,311
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,814
−HK$2,538/mo
Today · 4.125%
HK$98,352
baseline
▲ 0.50% · 4.625%
HK$103,537
+HK$5,185/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,704/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,651
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,782
−HK$3,181/mo
Today · 4.125%
HK$106,963
baseline
▲ 0.50% · 4.625%
HK$113,471
+HK$6,508/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,926/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,973
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,976
−HK$3,047/mo
Today · 4.125%
HK$118,023
baseline
▲ 0.50% · 4.625%
HK$124,244
+HK$6,221/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,046/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,426
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,079
−HK$3,711/mo
Today · 4.125%
HK$124,790
baseline
▲ 0.50% · 4.625%
HK$132,383
+HK$7,593/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,580/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,635
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,139
−HK$3,554/mo
Today · 4.125%
HK$137,693
baseline
▲ 0.50% · 4.625%
HK$144,951
+HK$7,258/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,386/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,976
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$155,673
−HK$4,771/mo
Today · 4.125%
HK$160,444
baseline
▲ 0.50% · 4.625%
HK$170,207
+HK$9,763/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,888/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,960
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$172,464
−HK$4,570/mo
Today · 4.125%
HK$177,034
baseline
▲ 0.50% · 4.625%
HK$186,366
+HK$9,332/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,068/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,298 · Scale 2, in force from 26 Feb 2026)