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$83,723
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,327
−HK$2,646/mo
Today · 4.125%
HK$88,973
baseline
▲ 0.50% · 4.625%
HK$94,387
+HK$5,414/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,946/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,141
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,639
−HK$2,534/mo
Today · 4.125%
HK$98,173
baseline
▲ 0.50% · 4.625%
HK$103,348
+HK$5,175/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,346/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,467
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,592
−HK$3,175/mo
Today · 4.125%
HK$106,767
baseline
▲ 0.50% · 4.625%
HK$113,264
+HK$6,497/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$213,534/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,769
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,766
−HK$3,041/mo
Today · 4.125%
HK$117,807
baseline
▲ 0.50% · 4.625%
HK$124,017
+HK$6,210/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$235,614/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,212
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,858
−HK$3,704/mo
Today · 4.125%
HK$124,562
baseline
▲ 0.50% · 4.625%
HK$132,141
+HK$7,579/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$249,124/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,397
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,894
−HK$3,548/mo
Today · 4.125%
HK$137,442
baseline
▲ 0.50% · 4.625%
HK$144,687
+HK$7,245/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$274,884/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,701
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,389
−HK$4,762/mo
Today · 4.125%
HK$160,151
baseline
▲ 0.50% · 4.625%
HK$169,896
+HK$9,745/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,302/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,653
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$172,150
−HK$4,561/mo
Today · 4.125%
HK$176,711
baseline
▲ 0.50% · 4.625%
HK$186,026
+HK$9,315/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,422/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,446 · Scale 2, in force from 26 Feb 2026)