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$83,432
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,027
−HK$2,637/mo
Today · 4.125%
HK$88,664
baseline
▲ 0.50% · 4.625%
HK$94,059
+HK$5,395/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,328/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,817
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,307
−HK$2,525/mo
Today · 4.125%
HK$97,832
baseline
▲ 0.50% · 4.625%
HK$102,989
+HK$5,157/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,664/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,119
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,233
−HK$3,164/mo
Today · 4.125%
HK$106,397
baseline
▲ 0.50% · 4.625%
HK$112,871
+HK$6,474/mo
Deposit HK$14.64M · loan HK$21.95M · min. income ≈ HK$212,794/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,381
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,368
−HK$3,030/mo
Today · 4.125%
HK$117,398
baseline
▲ 0.50% · 4.625%
HK$123,587
+HK$6,189/mo
Deposit HK$14.64M · loan HK$21.95M · min. income ≈ HK$234,796/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,805
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,438
−HK$3,692/mo
Today · 4.125%
HK$124,130
baseline
▲ 0.50% · 4.625%
HK$131,683
+HK$7,553/mo
Deposit HK$10.98M · loan HK$25.61M · min. income ≈ HK$248,260/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,944
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,429
−HK$3,536/mo
Today · 4.125%
HK$136,965
baseline
▲ 0.50% · 4.625%
HK$144,184
+HK$7,219/mo
Deposit HK$10.98M · loan HK$25.61M · min. income ≈ HK$273,930/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,178
−HK$9,417/mo
▼ 0.25% · 3.875%
HK$154,849
−HK$4,746/mo
Today · 4.125%
HK$159,595
baseline
▲ 0.50% · 4.625%
HK$169,306
+HK$9,711/mo
Deposit HK$3.66M · loan HK$32.93M · min. income ≈ HK$319,190/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,071
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$171,552
−HK$4,546/mo
Today · 4.125%
HK$176,098
baseline
▲ 0.50% · 4.625%
HK$185,380
+HK$9,282/mo
Deposit HK$3.66M · loan HK$32.93M · min. income ≈ HK$352,196/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,555,030 · Scale 2, in force from 26 Feb 2026)