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$83,520
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,118
−HK$2,640/mo
Today · 4.125%
HK$88,758
baseline
▲ 0.50% · 4.625%
HK$94,158
+HK$5,400/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,516/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,915
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,407
−HK$2,528/mo
Today · 4.125%
HK$97,935
baseline
▲ 0.50% · 4.625%
HK$103,097
+HK$5,162/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,870/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,224
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,342
−HK$3,167/mo
Today · 4.125%
HK$106,509
baseline
▲ 0.50% · 4.625%
HK$112,990
+HK$6,481/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$213,018/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,498
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,489
−HK$3,033/mo
Today · 4.125%
HK$117,522
baseline
▲ 0.50% · 4.625%
HK$123,717
+HK$6,195/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$235,044/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,928
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$120,565
−HK$3,696/mo
Today · 4.125%
HK$124,261
baseline
▲ 0.50% · 4.625%
HK$131,822
+HK$7,561/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$248,522/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,081
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,570
−HK$3,539/mo
Today · 4.125%
HK$137,109
baseline
▲ 0.50% · 4.625%
HK$144,336
+HK$7,227/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$274,218/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,336
−HK$9,428/mo
▼ 0.25% · 3.875%
HK$155,012
−HK$4,752/mo
Today · 4.125%
HK$159,764
baseline
▲ 0.50% · 4.625%
HK$169,485
+HK$9,721/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$319,528/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,247
−HK$9,036/mo
▼ 0.25% · 3.875%
HK$171,733
−HK$4,550/mo
Today · 4.125%
HK$176,283
baseline
▲ 0.50% · 4.625%
HK$185,575
+HK$9,292/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$352,566/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,669 · Scale 2, in force from 26 Feb 2026)