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$83,694
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,297
−HK$2,645/mo
Today · 4.125%
HK$88,942
baseline
▲ 0.50% · 4.625%
HK$94,354
+HK$5,412/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,884/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,109
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,606
−HK$2,533/mo
Today · 4.125%
HK$98,139
baseline
▲ 0.50% · 4.625%
HK$103,312
+HK$5,173/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,278/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,433
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,557
−HK$3,174/mo
Today · 4.125%
HK$106,731
baseline
▲ 0.50% · 4.625%
HK$113,225
+HK$6,494/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,462/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,730
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,727
−HK$3,040/mo
Today · 4.125%
HK$117,767
baseline
▲ 0.50% · 4.625%
HK$123,974
+HK$6,207/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,534/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,171
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$120,816
−HK$3,703/mo
Today · 4.125%
HK$124,519
baseline
▲ 0.50% · 4.625%
HK$132,096
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,038/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,352
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$133,848
−HK$3,547/mo
Today · 4.125%
HK$137,395
baseline
▲ 0.50% · 4.625%
HK$144,637
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,790/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,649
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,335
−HK$4,761/mo
Today · 4.125%
HK$160,096
baseline
▲ 0.50% · 4.625%
HK$169,837
+HK$9,741/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,192/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,595
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,090
−HK$4,560/mo
Today · 4.125%
HK$176,650
baseline
▲ 0.50% · 4.625%
HK$185,962
+HK$9,312/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,300/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,908 · Scale 2, in force from 26 Feb 2026)