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$83,263
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,853
−HK$2,632/mo
Today · 4.125%
HK$88,485
baseline
▲ 0.50% · 4.625%
HK$93,869
+HK$5,384/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$176,970/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,630
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,114
−HK$2,520/mo
Today · 4.125%
HK$97,634
baseline
▲ 0.50% · 4.625%
HK$102,781
+HK$5,147/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,268/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,916
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,024
−HK$3,158/mo
Today · 4.125%
HK$106,182
baseline
▲ 0.50% · 4.625%
HK$112,643
+HK$6,461/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$212,364/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,156
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,137
−HK$3,024/mo
Today · 4.125%
HK$117,161
baseline
▲ 0.50% · 4.625%
HK$123,337
+HK$6,176/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$234,322/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,569
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$120,195
−HK$3,684/mo
Today · 4.125%
HK$123,879
baseline
▲ 0.50% · 4.625%
HK$131,416
+HK$7,537/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,758/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,681
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,159
−HK$3,529/mo
Today · 4.125%
HK$136,688
baseline
▲ 0.50% · 4.625%
HK$143,893
+HK$7,205/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,376/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,874
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$154,536
−HK$4,736/mo
Today · 4.125%
HK$159,272
baseline
▲ 0.50% · 4.625%
HK$168,964
+HK$9,692/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,544/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,733
−HK$9,008/mo
▼ 0.25% · 3.875%
HK$171,205
−HK$4,536/mo
Today · 4.125%
HK$175,741
baseline
▲ 0.50% · 4.625%
HK$185,005
+HK$9,264/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,482/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,884 · Scale 2, in force from 26 Feb 2026)