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$83,812
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,419
−HK$2,648/mo
Today · 4.125%
HK$89,067
baseline
▲ 0.50% · 4.625%
HK$94,487
+HK$5,420/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,134/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,239
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,740
−HK$2,537/mo
Today · 4.125%
HK$98,277
baseline
▲ 0.50% · 4.625%
HK$103,457
+HK$5,180/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,554/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,574
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,702
−HK$3,179/mo
Today · 4.125%
HK$106,881
baseline
▲ 0.50% · 4.625%
HK$113,384
+HK$6,503/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$213,762/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,887
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,888
−HK$3,044/mo
Today · 4.125%
HK$117,932
baseline
▲ 0.50% · 4.625%
HK$124,149
+HK$6,217/mo
Deposit HK$14.70M · loan HK$22.05M · min. income ≈ HK$235,864/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,336
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$120,986
−HK$3,708/mo
Today · 4.125%
HK$124,694
baseline
▲ 0.50% · 4.625%
HK$132,281
+HK$7,587/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,388/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,535
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,036
−HK$3,552/mo
Today · 4.125%
HK$137,588
baseline
▲ 0.50% · 4.625%
HK$144,840
+HK$7,252/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,176/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,861
−HK$9,460/mo
▼ 0.25% · 3.875%
HK$155,553
−HK$4,768/mo
Today · 4.125%
HK$160,321
baseline
▲ 0.50% · 4.625%
HK$170,076
+HK$9,755/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$320,642/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,831
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$172,332
−HK$4,566/mo
Today · 4.125%
HK$176,898
baseline
▲ 0.50% · 4.625%
HK$186,223
+HK$9,325/mo
Deposit HK$3.68M · loan HK$33.08M · min. income ≈ HK$353,796/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,101 · Scale 2, in force from 26 Feb 2026)