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$83,889
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,498
−HK$2,651/mo
Today · 4.125%
HK$89,149
baseline
▲ 0.50% · 4.625%
HK$94,574
+HK$5,425/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,298/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,325
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,828
−HK$2,540/mo
Today · 4.125%
HK$98,368
baseline
▲ 0.50% · 4.625%
HK$103,553
+HK$5,185/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,736/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,667
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,798
−HK$3,181/mo
Today · 4.125%
HK$106,979
baseline
▲ 0.50% · 4.625%
HK$113,489
+HK$6,510/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$213,958/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,991
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,994
−HK$3,047/mo
Today · 4.125%
HK$118,041
baseline
▲ 0.50% · 4.625%
HK$124,263
+HK$6,222/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$236,082/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,444
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,098
−HK$3,711/mo
Today · 4.125%
HK$124,809
baseline
▲ 0.50% · 4.625%
HK$132,404
+HK$7,595/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,618/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,656
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,160
−HK$3,555/mo
Today · 4.125%
HK$137,715
baseline
▲ 0.50% · 4.625%
HK$144,974
+HK$7,259/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,430/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,000
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,697
−HK$4,772/mo
Today · 4.125%
HK$160,469
baseline
▲ 0.50% · 4.625%
HK$170,233
+HK$9,764/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,938/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,986
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$172,491
−HK$4,571/mo
Today · 4.125%
HK$177,062
baseline
▲ 0.50% · 4.625%
HK$186,395
+HK$9,333/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,124/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,542 · Scale 2, in force from 26 Feb 2026)