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$83,554
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,154
−HK$2,640/mo
Today · 4.125%
HK$88,794
baseline
▲ 0.50% · 4.625%
HK$94,197
+HK$5,403/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,588/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,954
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,446
−HK$2,530/mo
Today · 4.125%
HK$97,976
baseline
▲ 0.50% · 4.625%
HK$103,140
+HK$5,164/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,952/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,265
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,384
−HK$3,169/mo
Today · 4.125%
HK$106,553
baseline
▲ 0.50% · 4.625%
HK$113,036
+HK$6,483/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,106/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,544
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,536
−HK$3,035/mo
Today · 4.125%
HK$117,571
baseline
▲ 0.50% · 4.625%
HK$123,768
+HK$6,197/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,142/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,976
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,615
−HK$3,697/mo
Today · 4.125%
HK$124,312
baseline
▲ 0.50% · 4.625%
HK$131,876
+HK$7,564/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,624/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,135
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,625
−HK$3,541/mo
Today · 4.125%
HK$137,166
baseline
▲ 0.50% · 4.625%
HK$144,396
+HK$7,230/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,332/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,398
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$155,076
−HK$4,753/mo
Today · 4.125%
HK$159,829
baseline
▲ 0.50% · 4.625%
HK$169,555
+HK$9,726/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$319,658/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,316
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$171,804
−HK$4,552/mo
Today · 4.125%
HK$176,356
baseline
▲ 0.50% · 4.625%
HK$185,652
+HK$9,296/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$352,712/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,310 · Scale 2, in force from 26 Feb 2026)