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$83,452
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,048
−HK$2,637/mo
Today · 4.125%
HK$88,685
baseline
▲ 0.50% · 4.625%
HK$94,081
+HK$5,396/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,370/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,839
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,329
−HK$2,526/mo
Today · 4.125%
HK$97,855
baseline
▲ 0.50% · 4.625%
HK$103,013
+HK$5,158/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,710/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,142
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,257
−HK$3,165/mo
Today · 4.125%
HK$106,422
baseline
▲ 0.50% · 4.625%
HK$112,898
+HK$6,476/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,844/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,407
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,395
−HK$3,031/mo
Today · 4.125%
HK$117,426
baseline
▲ 0.50% · 4.625%
HK$123,616
+HK$6,190/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,852/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,833
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$120,467
−HK$3,692/mo
Today · 4.125%
HK$124,159
baseline
▲ 0.50% · 4.625%
HK$131,714
+HK$7,555/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$248,318/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,975
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$133,461
−HK$3,536/mo
Today · 4.125%
HK$136,997
baseline
▲ 0.50% · 4.625%
HK$144,219
+HK$7,222/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$273,994/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,213
−HK$9,420/mo
▼ 0.25% · 3.875%
HK$154,886
−HK$4,747/mo
Today · 4.125%
HK$159,633
baseline
▲ 0.50% · 4.625%
HK$169,346
+HK$9,713/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$319,266/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,111
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$171,593
−HK$4,546/mo
Today · 4.125%
HK$176,139
baseline
▲ 0.50% · 4.625%
HK$185,424
+HK$9,285/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$352,278/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,399 · Scale 2, in force from 26 Feb 2026)