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$83,861
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,650/mo
Today · 4.125%
HK$89,120
baseline
▲ 0.50% · 4.625%
HK$94,543
+HK$5,423/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,240/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,295
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,797
−HK$2,538/mo
Today · 4.125%
HK$98,335
baseline
▲ 0.50% · 4.625%
HK$103,519
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,670/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,633
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,764
−HK$3,180/mo
Today · 4.125%
HK$106,944
baseline
▲ 0.50% · 4.625%
HK$113,451
+HK$6,507/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,888/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,954
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,956
−HK$3,046/mo
Today · 4.125%
HK$118,002
baseline
▲ 0.50% · 4.625%
HK$124,222
+HK$6,220/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,004/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,406
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,058
−HK$3,710/mo
Today · 4.125%
HK$124,768
baseline
▲ 0.50% · 4.625%
HK$132,360
+HK$7,592/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$249,536/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,613
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$134,116
−HK$3,553/mo
Today · 4.125%
HK$137,669
baseline
▲ 0.50% · 4.625%
HK$144,926
+HK$7,257/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$275,338/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,950
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,646
−HK$4,770/mo
Today · 4.125%
HK$160,416
baseline
▲ 0.50% · 4.625%
HK$170,177
+HK$9,761/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$320,832/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,931
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$172,434
−HK$4,569/mo
Today · 4.125%
HK$177,003
baseline
▲ 0.50% · 4.625%
HK$186,333
+HK$9,330/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$354,006/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,027 · Scale 2, in force from 26 Feb 2026)