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$83,767
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,372
−HK$2,648/mo
Today · 4.125%
HK$89,020
baseline
▲ 0.50% · 4.625%
HK$94,436
+HK$5,416/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,040/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,190
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,689
−HK$2,535/mo
Today · 4.125%
HK$98,224
baseline
▲ 0.50% · 4.625%
HK$103,402
+HK$5,178/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,448/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,520
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,647
−HK$3,176/mo
Today · 4.125%
HK$106,823
baseline
▲ 0.50% · 4.625%
HK$113,323
+HK$6,500/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,646/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,827
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,827
−HK$3,042/mo
Today · 4.125%
HK$117,869
baseline
▲ 0.50% · 4.625%
HK$124,082
+HK$6,213/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,738/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,273
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,921
−HK$3,706/mo
Today · 4.125%
HK$124,627
baseline
▲ 0.50% · 4.625%
HK$132,211
+HK$7,584/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,254/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,465
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,964
−HK$3,550/mo
Today · 4.125%
HK$137,514
baseline
▲ 0.50% · 4.625%
HK$144,763
+HK$7,249/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$275,028/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,780
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$155,470
−HK$4,765/mo
Today · 4.125%
HK$160,235
baseline
▲ 0.50% · 4.625%
HK$169,985
+HK$9,750/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,470/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,741
−HK$9,063/mo
▼ 0.25% · 3.875%
HK$172,240
−HK$4,564/mo
Today · 4.125%
HK$176,804
baseline
▲ 0.50% · 4.625%
HK$186,123
+HK$9,319/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,608/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,265 · Scale 2, in force from 26 Feb 2026)