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$83,681
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,284
−HK$2,645/mo
Today · 4.125%
HK$88,929
baseline
▲ 0.50% · 4.625%
HK$94,340
+HK$5,411/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,858/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,094
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,591
−HK$2,533/mo
Today · 4.125%
HK$98,124
baseline
▲ 0.50% · 4.625%
HK$103,296
+HK$5,172/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,248/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,417
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,541
−HK$3,173/mo
Today · 4.125%
HK$106,714
baseline
▲ 0.50% · 4.625%
HK$113,208
+HK$6,494/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,428/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,713
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,709
−HK$3,040/mo
Today · 4.125%
HK$117,749
baseline
▲ 0.50% · 4.625%
HK$123,955
+HK$6,206/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,498/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,153
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,798
−HK$3,702/mo
Today · 4.125%
HK$124,500
baseline
▲ 0.50% · 4.625%
HK$132,076
+HK$7,576/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,000/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,332
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,827
−HK$3,546/mo
Today · 4.125%
HK$137,373
baseline
▲ 0.50% · 4.625%
HK$144,615
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,746/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,626
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$155,311
−HK$4,760/mo
Today · 4.125%
HK$160,071
baseline
▲ 0.50% · 4.625%
HK$169,811
+HK$9,740/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,142/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,570
−HK$9,053/mo
▼ 0.25% · 3.875%
HK$172,064
−HK$4,559/mo
Today · 4.125%
HK$176,623
baseline
▲ 0.50% · 4.625%
HK$185,933
+HK$9,310/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,246/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,669 · Scale 2, in force from 26 Feb 2026)