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$83,883
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,492
−HK$2,651/mo
Today · 4.125%
HK$89,143
baseline
▲ 0.50% · 4.625%
HK$94,567
+HK$5,424/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,286/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,319
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,821
−HK$2,539/mo
Today · 4.125%
HK$98,360
baseline
▲ 0.50% · 4.625%
HK$103,545
+HK$5,185/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,720/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,659
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,790
−HK$3,181/mo
Today · 4.125%
HK$106,971
baseline
▲ 0.50% · 4.625%
HK$113,480
+HK$6,509/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,942/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,982
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,986
−HK$3,046/mo
Today · 4.125%
HK$118,032
baseline
▲ 0.50% · 4.625%
HK$124,254
+HK$6,222/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,064/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,436
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,089
−HK$3,711/mo
Today · 4.125%
HK$124,800
baseline
▲ 0.50% · 4.625%
HK$132,394
+HK$7,594/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,600/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,646
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,150
−HK$3,554/mo
Today · 4.125%
HK$137,704
baseline
▲ 0.50% · 4.625%
HK$144,963
+HK$7,259/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,408/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,989
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$155,685
−HK$4,772/mo
Today · 4.125%
HK$160,457
baseline
▲ 0.50% · 4.625%
HK$170,221
+HK$9,764/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,914/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,973
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$172,478
−HK$4,571/mo
Today · 4.125%
HK$177,049
baseline
▲ 0.50% · 4.625%
HK$186,381
+HK$9,332/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,098/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,426 · Scale 2, in force from 26 Feb 2026)