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$83,882
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,491
−HK$2,651/mo
Today · 4.125%
HK$89,142
baseline
▲ 0.50% · 4.625%
HK$94,566
+HK$5,424/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,284/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,318
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,821
−HK$2,539/mo
Today · 4.125%
HK$98,360
baseline
▲ 0.50% · 4.625%
HK$103,544
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,720/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,658
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,789
−HK$3,182/mo
Today · 4.125%
HK$106,971
baseline
▲ 0.50% · 4.625%
HK$113,479
+HK$6,508/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,942/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,981
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,985
−HK$3,046/mo
Today · 4.125%
HK$118,031
baseline
▲ 0.50% · 4.625%
HK$124,253
+HK$6,222/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,062/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,435
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,088
−HK$3,711/mo
Today · 4.125%
HK$124,799
baseline
▲ 0.50% · 4.625%
HK$132,393
+HK$7,594/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,598/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,645
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,149
−HK$3,554/mo
Today · 4.125%
HK$137,703
baseline
▲ 0.50% · 4.625%
HK$144,962
+HK$7,259/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,406/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,988
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$155,684
−HK$4,772/mo
Today · 4.125%
HK$160,456
baseline
▲ 0.50% · 4.625%
HK$170,219
+HK$9,763/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,912/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,972
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,477
−HK$4,570/mo
Today · 4.125%
HK$177,047
baseline
▲ 0.50% · 4.625%
HK$186,379
+HK$9,332/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,094/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,414 · Scale 2, in force from 26 Feb 2026)