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$83,538
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,136
−HK$2,640/mo
Today · 4.125%
HK$88,776
baseline
▲ 0.50% · 4.625%
HK$94,178
+HK$5,402/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,552/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,935
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,427
−HK$2,529/mo
Today · 4.125%
HK$97,956
baseline
▲ 0.50% · 4.625%
HK$103,119
+HK$5,163/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,912/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,245
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,363
−HK$3,168/mo
Today · 4.125%
HK$106,531
baseline
▲ 0.50% · 4.625%
HK$113,014
+HK$6,483/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$213,062/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,522
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,513
−HK$3,034/mo
Today · 4.125%
HK$117,547
baseline
▲ 0.50% · 4.625%
HK$123,743
+HK$6,196/mo
Deposit HK$14.65M · loan HK$21.98M · min. income ≈ HK$235,094/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,953
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,591
−HK$3,696/mo
Today · 4.125%
HK$124,287
baseline
▲ 0.50% · 4.625%
HK$131,849
+HK$7,562/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$248,574/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,109
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$133,598
−HK$3,540/mo
Today · 4.125%
HK$137,138
baseline
▲ 0.50% · 4.625%
HK$144,367
+HK$7,229/mo
Deposit HK$10.99M · loan HK$25.64M · min. income ≈ HK$274,276/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,368
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$155,045
−HK$4,752/mo
Today · 4.125%
HK$159,797
baseline
▲ 0.50% · 4.625%
HK$169,520
+HK$9,723/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$319,594/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,283
−HK$9,037/mo
▼ 0.25% · 3.875%
HK$171,769
−HK$4,551/mo
Today · 4.125%
HK$176,320
baseline
▲ 0.50% · 4.625%
HK$185,614
+HK$9,294/mo
Deposit HK$3.66M · loan HK$32.97M · min. income ≈ HK$352,640/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,996 · Scale 2, in force from 26 Feb 2026)