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$83,686
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,289
−HK$2,645/mo
Today · 4.125%
HK$88,934
baseline
▲ 0.50% · 4.625%
HK$94,345
+HK$5,411/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,868/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,100
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,596
−HK$2,533/mo
Today · 4.125%
HK$98,129
baseline
▲ 0.50% · 4.625%
HK$103,302
+HK$5,173/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,258/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,423
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,547
−HK$3,173/mo
Today · 4.125%
HK$106,720
baseline
▲ 0.50% · 4.625%
HK$113,214
+HK$6,494/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,440/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,720
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,716
−HK$3,039/mo
Today · 4.125%
HK$117,755
baseline
▲ 0.50% · 4.625%
HK$123,962
+HK$6,207/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,510/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,160
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,804
−HK$3,703/mo
Today · 4.125%
HK$124,507
baseline
▲ 0.50% · 4.625%
HK$132,083
+HK$7,576/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,014/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,339
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,835
−HK$3,546/mo
Today · 4.125%
HK$137,381
baseline
▲ 0.50% · 4.625%
HK$144,623
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,762/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,634
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,320
−HK$4,761/mo
Today · 4.125%
HK$160,081
baseline
▲ 0.50% · 4.625%
HK$169,821
+HK$9,740/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,162/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,579
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,074
−HK$4,559/mo
Today · 4.125%
HK$176,633
baseline
▲ 0.50% · 4.625%
HK$185,944
+HK$9,311/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,266/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,757 · Scale 2, in force from 26 Feb 2026)