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$83,688
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,291
−HK$2,644/mo
Today · 4.125%
HK$88,935
baseline
▲ 0.50% · 4.625%
HK$94,347
+HK$5,412/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,870/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,102
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,598
−HK$2,534/mo
Today · 4.125%
HK$98,132
baseline
▲ 0.50% · 4.625%
HK$103,304
+HK$5,172/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,264/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,425
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,549
−HK$3,174/mo
Today · 4.125%
HK$106,723
baseline
▲ 0.50% · 4.625%
HK$113,216
+HK$6,493/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,446/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,722
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,718
−HK$3,040/mo
Today · 4.125%
HK$117,758
baseline
▲ 0.50% · 4.625%
HK$123,965
+HK$6,207/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,516/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,163
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,807
−HK$3,703/mo
Today · 4.125%
HK$124,510
baseline
▲ 0.50% · 4.625%
HK$132,086
+HK$7,576/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,020/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,342
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,838
−HK$3,546/mo
Today · 4.125%
HK$137,384
baseline
▲ 0.50% · 4.625%
HK$144,626
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,768/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,638
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$155,323
−HK$4,761/mo
Today · 4.125%
HK$160,084
baseline
▲ 0.50% · 4.625%
HK$169,825
+HK$9,741/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,168/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,583
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,077
−HK$4,560/mo
Today · 4.125%
HK$176,637
baseline
▲ 0.50% · 4.625%
HK$185,947
+HK$9,310/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,274/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,790 · Scale 2, in force from 26 Feb 2026)