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$83,702
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,305
−HK$2,645/mo
Today · 4.125%
HK$88,950
baseline
▲ 0.50% · 4.625%
HK$94,363
+HK$5,413/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,900/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,117
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,615
−HK$2,533/mo
Today · 4.125%
HK$98,148
baseline
▲ 0.50% · 4.625%
HK$103,322
+HK$5,174/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,296/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,442
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,566
−HK$3,175/mo
Today · 4.125%
HK$106,741
baseline
▲ 0.50% · 4.625%
HK$113,235
+HK$6,494/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,482/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,741
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,737
−HK$3,041/mo
Today · 4.125%
HK$117,778
baseline
▲ 0.50% · 4.625%
HK$123,986
+HK$6,208/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,556/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,182
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,827
−HK$3,704/mo
Today · 4.125%
HK$124,531
baseline
▲ 0.50% · 4.625%
HK$132,108
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,062/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,364
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$133,860
−HK$3,547/mo
Today · 4.125%
HK$137,407
baseline
▲ 0.50% · 4.625%
HK$144,650
+HK$7,243/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,814/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,663
−HK$9,448/mo
▼ 0.25% · 3.875%
HK$155,349
−HK$4,762/mo
Today · 4.125%
HK$160,111
baseline
▲ 0.50% · 4.625%
HK$169,853
+HK$9,742/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,222/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,611
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,106
−HK$4,560/mo
Today · 4.125%
HK$176,666
baseline
▲ 0.50% · 4.625%
HK$185,979
+HK$9,313/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,332/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,052 · Scale 2, in force from 26 Feb 2026)