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$83,896
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,506
−HK$2,652/mo
Today · 4.125%
HK$89,158
baseline
▲ 0.50% · 4.625%
HK$94,583
+HK$5,425/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,316/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,334
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,837
−HK$2,540/mo
Today · 4.125%
HK$98,377
baseline
▲ 0.50% · 4.625%
HK$103,562
+HK$5,185/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,754/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,676
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,807
−HK$3,182/mo
Today · 4.125%
HK$106,989
baseline
▲ 0.50% · 4.625%
HK$113,499
+HK$6,510/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$213,978/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,001
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,005
−HK$3,047/mo
Today · 4.125%
HK$118,052
baseline
▲ 0.50% · 4.625%
HK$124,275
+HK$6,223/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$236,104/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,455
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$121,109
−HK$3,712/mo
Today · 4.125%
HK$124,821
baseline
▲ 0.50% · 4.625%
HK$132,416
+HK$7,595/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,642/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,668
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,172
−HK$3,555/mo
Today · 4.125%
HK$137,727
baseline
▲ 0.50% · 4.625%
HK$144,987
+HK$7,260/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,454/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,014
−HK$9,470/mo
▼ 0.25% · 3.875%
HK$155,711
−HK$4,773/mo
Today · 4.125%
HK$160,484
baseline
▲ 0.50% · 4.625%
HK$170,249
+HK$9,765/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,968/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,001
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$172,507
−HK$4,571/mo
Today · 4.125%
HK$177,078
baseline
▲ 0.50% · 4.625%
HK$186,412
+HK$9,334/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,156/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,684 · Scale 2, in force from 26 Feb 2026)