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$83,406
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$86,000
−HK$2,636/mo
Today · 4.125%
HK$88,636
baseline
▲ 0.50% · 4.625%
HK$94,029
+HK$5,393/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,272/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,788
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,277
−HK$2,524/mo
Today · 4.125%
HK$97,801
baseline
▲ 0.50% · 4.625%
HK$102,956
+HK$5,155/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,602/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,087
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,200
−HK$3,163/mo
Today · 4.125%
HK$106,363
baseline
▲ 0.50% · 4.625%
HK$112,835
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,726/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,346
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,332
−HK$3,029/mo
Today · 4.125%
HK$117,361
baseline
▲ 0.50% · 4.625%
HK$123,548
+HK$6,187/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,722/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,768
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,400
−HK$3,690/mo
Today · 4.125%
HK$124,090
baseline
▲ 0.50% · 4.625%
HK$131,641
+HK$7,551/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$248,180/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,903
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,387
−HK$3,534/mo
Today · 4.125%
HK$136,921
baseline
▲ 0.50% · 4.625%
HK$144,139
+HK$7,218/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$273,842/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,130
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,800
−HK$4,745/mo
Today · 4.125%
HK$159,545
baseline
▲ 0.50% · 4.625%
HK$169,253
+HK$9,708/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,090/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,018
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$171,498
−HK$4,544/mo
Today · 4.125%
HK$176,042
baseline
▲ 0.50% · 4.625%
HK$185,321
+HK$9,279/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,084/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,537 · Scale 2, in force from 26 Feb 2026)