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$83,570
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,170
−HK$2,641/mo
Today · 4.125%
HK$88,811
baseline
▲ 0.50% · 4.625%
HK$94,215
+HK$5,404/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,622/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,971
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,465
−HK$2,529/mo
Today · 4.125%
HK$97,994
baseline
▲ 0.50% · 4.625%
HK$103,160
+HK$5,166/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,988/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,285
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,404
−HK$3,169/mo
Today · 4.125%
HK$106,573
baseline
▲ 0.50% · 4.625%
HK$113,058
+HK$6,485/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,146/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,566
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,558
−HK$3,035/mo
Today · 4.125%
HK$117,593
baseline
▲ 0.50% · 4.625%
HK$123,792
+HK$6,199/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,186/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,999
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,638
−HK$3,697/mo
Today · 4.125%
HK$124,335
baseline
▲ 0.50% · 4.625%
HK$131,901
+HK$7,566/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,670/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,160
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,651
−HK$3,541/mo
Today · 4.125%
HK$137,192
baseline
▲ 0.50% · 4.625%
HK$144,423
+HK$7,231/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,384/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,427
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$155,106
−HK$4,754/mo
Today · 4.125%
HK$159,860
baseline
▲ 0.50% · 4.625%
HK$169,587
+HK$9,727/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$319,720/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,348
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$171,836
−HK$4,554/mo
Today · 4.125%
HK$176,390
baseline
▲ 0.50% · 4.625%
HK$185,687
+HK$9,297/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$352,780/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,608 · Scale 2, in force from 26 Feb 2026)