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$83,825
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,433
−HK$2,649/mo
Today · 4.125%
HK$89,082
baseline
▲ 0.50% · 4.625%
HK$94,502
+HK$5,420/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$178,164/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,255
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,756
−HK$2,537/mo
Today · 4.125%
HK$98,293
baseline
▲ 0.50% · 4.625%
HK$103,474
+HK$5,181/mo
Deposit HK$18.38M · loan HK$18.38M · min. income ≈ HK$196,586/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,590
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,719
−HK$3,179/mo
Today · 4.125%
HK$106,898
baseline
▲ 0.50% · 4.625%
HK$113,403
+HK$6,505/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$213,796/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,906
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,907
−HK$3,045/mo
Today · 4.125%
HK$117,952
baseline
▲ 0.50% · 4.625%
HK$124,169
+HK$6,217/mo
Deposit HK$14.70M · loan HK$22.06M · min. income ≈ HK$235,904/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,355
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,006
−HK$3,709/mo
Today · 4.125%
HK$124,715
baseline
▲ 0.50% · 4.625%
HK$132,303
+HK$7,588/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$249,430/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,557
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,058
−HK$3,552/mo
Today · 4.125%
HK$137,610
baseline
▲ 0.50% · 4.625%
HK$144,864
+HK$7,254/mo
Deposit HK$11.03M · loan HK$25.73M · min. income ≈ HK$275,220/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,886
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$155,579
−HK$4,768/mo
Today · 4.125%
HK$160,347
baseline
▲ 0.50% · 4.625%
HK$170,104
+HK$9,757/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$320,694/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,859
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$172,361
−HK$4,567/mo
Today · 4.125%
HK$176,928
baseline
▲ 0.50% · 4.625%
HK$186,254
+HK$9,326/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$353,856/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,359 · Scale 2, in force from 26 Feb 2026)