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$83,838
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,446
−HK$2,649/mo
Today · 4.125%
HK$89,095
baseline
▲ 0.50% · 4.625%
HK$94,517
+HK$5,422/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,190/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,269
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,770
−HK$2,538/mo
Today · 4.125%
HK$98,308
baseline
▲ 0.50% · 4.625%
HK$103,490
+HK$5,182/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,616/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,606
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,735
−HK$3,179/mo
Today · 4.125%
HK$106,914
baseline
▲ 0.50% · 4.625%
HK$113,420
+HK$6,506/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$213,828/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,923
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,924
−HK$3,045/mo
Today · 4.125%
HK$117,969
baseline
▲ 0.50% · 4.625%
HK$124,188
+HK$6,219/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$235,938/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,373
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,024
−HK$3,709/mo
Today · 4.125%
HK$124,733
baseline
▲ 0.50% · 4.625%
HK$132,323
+HK$7,590/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$249,466/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,576
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,078
−HK$3,553/mo
Today · 4.125%
HK$137,631
baseline
▲ 0.50% · 4.625%
HK$144,886
+HK$7,255/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$275,262/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,908
−HK$9,464/mo
▼ 0.25% · 3.875%
HK$155,602
−HK$4,770/mo
Today · 4.125%
HK$160,372
baseline
▲ 0.50% · 4.625%
HK$170,130
+HK$9,758/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$320,744/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,884
−HK$9,070/mo
▼ 0.25% · 3.875%
HK$172,386
−HK$4,568/mo
Today · 4.125%
HK$176,954
baseline
▲ 0.50% · 4.625%
HK$186,282
+HK$9,328/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$353,908/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,593 · Scale 2, in force from 26 Feb 2026)