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$83,774
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,380
−HK$2,647/mo
Today · 4.125%
HK$89,027
baseline
▲ 0.50% · 4.625%
HK$94,444
+HK$5,417/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,054/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,198
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,697
−HK$2,536/mo
Today · 4.125%
HK$98,233
baseline
▲ 0.50% · 4.625%
HK$103,411
+HK$5,178/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,466/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,529
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,656
−HK$3,177/mo
Today · 4.125%
HK$106,833
baseline
▲ 0.50% · 4.625%
HK$113,333
+HK$6,500/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$213,666/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,837
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,837
−HK$3,042/mo
Today · 4.125%
HK$117,879
baseline
▲ 0.50% · 4.625%
HK$124,093
+HK$6,214/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$235,758/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,283
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,932
−HK$3,706/mo
Today · 4.125%
HK$124,638
baseline
▲ 0.50% · 4.625%
HK$132,222
+HK$7,584/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$249,276/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,477
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,976
−HK$3,550/mo
Today · 4.125%
HK$137,526
baseline
▲ 0.50% · 4.625%
HK$144,775
+HK$7,249/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$275,052/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,793
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$155,483
−HK$4,766/mo
Today · 4.125%
HK$160,249
baseline
▲ 0.50% · 4.625%
HK$170,000
+HK$9,751/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,498/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,756
−HK$9,063/mo
▼ 0.25% · 3.875%
HK$172,255
−HK$4,564/mo
Today · 4.125%
HK$176,819
baseline
▲ 0.50% · 4.625%
HK$186,139
+HK$9,320/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,638/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,399 · Scale 2, in force from 26 Feb 2026)