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$83,484
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,081
−HK$2,638/mo
Today · 4.125%
HK$88,719
baseline
▲ 0.50% · 4.625%
HK$94,117
+HK$5,398/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,438/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,875
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,366
−HK$2,527/mo
Today · 4.125%
HK$97,893
baseline
▲ 0.50% · 4.625%
HK$103,053
+HK$5,160/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,786/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,180
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,297
−HK$3,166/mo
Today · 4.125%
HK$106,463
baseline
▲ 0.50% · 4.625%
HK$112,941
+HK$6,478/mo
Deposit HK$14.64M · loan HK$21.97M · min. income ≈ HK$212,926/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,450
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,439
−HK$3,032/mo
Today · 4.125%
HK$117,471
baseline
▲ 0.50% · 4.625%
HK$123,663
+HK$6,192/mo
Deposit HK$14.64M · loan HK$21.97M · min. income ≈ HK$234,942/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,877
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$120,513
−HK$3,693/mo
Today · 4.125%
HK$124,206
baseline
▲ 0.50% · 4.625%
HK$131,764
+HK$7,558/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$248,412/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,025
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$133,512
−HK$3,538/mo
Today · 4.125%
HK$137,050
baseline
▲ 0.50% · 4.625%
HK$144,274
+HK$7,224/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$274,100/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,271
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$154,945
−HK$4,749/mo
Today · 4.125%
HK$159,694
baseline
▲ 0.50% · 4.625%
HK$169,411
+HK$9,717/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,388/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,175
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,658
−HK$4,549/mo
Today · 4.125%
HK$176,207
baseline
▲ 0.50% · 4.625%
HK$185,495
+HK$9,288/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,414/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,991 · Scale 2, in force from 26 Feb 2026)