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$83,753
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,358
−HK$2,647/mo
Today · 4.125%
HK$89,005
baseline
▲ 0.50% · 4.625%
HK$94,421
+HK$5,416/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$178,010/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,174
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,673
−HK$2,535/mo
Today · 4.125%
HK$98,208
baseline
▲ 0.50% · 4.625%
HK$103,385
+HK$5,177/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,416/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,504
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,630
−HK$3,176/mo
Today · 4.125%
HK$106,806
baseline
▲ 0.50% · 4.625%
HK$113,305
+HK$6,499/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,612/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,809
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,808
−HK$3,042/mo
Today · 4.125%
HK$117,850
baseline
▲ 0.50% · 4.625%
HK$124,062
+HK$6,212/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,700/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,254
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,902
−HK$3,705/mo
Today · 4.125%
HK$124,607
baseline
▲ 0.50% · 4.625%
HK$132,189
+HK$7,582/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,214/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,444
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,943
−HK$3,549/mo
Today · 4.125%
HK$137,492
baseline
▲ 0.50% · 4.625%
HK$144,739
+HK$7,247/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$274,984/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,756
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,445
−HK$4,764/mo
Today · 4.125%
HK$160,209
baseline
▲ 0.50% · 4.625%
HK$169,958
+HK$9,749/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,418/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,714
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$172,212
−HK$4,563/mo
Today · 4.125%
HK$176,775
baseline
▲ 0.50% · 4.625%
HK$186,093
+HK$9,318/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,550/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,012 · Scale 2, in force from 26 Feb 2026)