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$83,747
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,352
−HK$2,647/mo
Today · 4.125%
HK$88,999
baseline
▲ 0.50% · 4.625%
HK$94,414
+HK$5,415/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,998/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,168
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,667
−HK$2,534/mo
Today · 4.125%
HK$98,201
baseline
▲ 0.50% · 4.625%
HK$103,378
+HK$5,177/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,402/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,497
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,623
−HK$3,176/mo
Today · 4.125%
HK$106,799
baseline
▲ 0.50% · 4.625%
HK$113,297
+HK$6,498/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,598/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,801
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,800
−HK$3,042/mo
Today · 4.125%
HK$117,842
baseline
▲ 0.50% · 4.625%
HK$124,053
+HK$6,211/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,684/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,246
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,893
−HK$3,705/mo
Today · 4.125%
HK$124,598
baseline
▲ 0.50% · 4.625%
HK$132,180
+HK$7,582/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,196/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,435
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,933
−HK$3,549/mo
Today · 4.125%
HK$137,482
baseline
▲ 0.50% · 4.625%
HK$144,729
+HK$7,247/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,964/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,745
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,434
−HK$4,764/mo
Today · 4.125%
HK$160,198
baseline
▲ 0.50% · 4.625%
HK$169,945
+HK$9,747/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$320,396/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,702
−HK$9,060/mo
▼ 0.25% · 3.875%
HK$172,200
−HK$4,562/mo
Today · 4.125%
HK$176,762
baseline
▲ 0.50% · 4.625%
HK$186,080
+HK$9,318/mo
Deposit HK$3.67M · loan HK$33.05M · min. income ≈ HK$353,524/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,900 · Scale 2, in force from 26 Feb 2026)