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$83,766
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,371
−HK$2,647/mo
Today · 4.125%
HK$89,018
baseline
▲ 0.50% · 4.625%
HK$94,435
+HK$5,417/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,036/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,188
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,688
−HK$2,535/mo
Today · 4.125%
HK$98,223
baseline
▲ 0.50% · 4.625%
HK$103,400
+HK$5,177/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,446/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,519
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,645
−HK$3,177/mo
Today · 4.125%
HK$106,822
baseline
▲ 0.50% · 4.625%
HK$113,322
+HK$6,500/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,644/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,826
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,825
−HK$3,043/mo
Today · 4.125%
HK$117,868
baseline
▲ 0.50% · 4.625%
HK$124,081
+HK$6,213/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,736/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,272
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,920
−HK$3,706/mo
Today · 4.125%
HK$124,626
baseline
▲ 0.50% · 4.625%
HK$132,209
+HK$7,583/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$249,252/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,464
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,963
−HK$3,549/mo
Today · 4.125%
HK$137,512
baseline
▲ 0.50% · 4.625%
HK$144,761
+HK$7,249/mo
Deposit HK$11.02M · loan HK$25.71M · min. income ≈ HK$275,024/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,778
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$155,468
−HK$4,765/mo
Today · 4.125%
HK$160,233
baseline
▲ 0.50% · 4.625%
HK$169,983
+HK$9,750/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,466/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,739
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$172,238
−HK$4,563/mo
Today · 4.125%
HK$176,801
baseline
▲ 0.50% · 4.625%
HK$186,121
+HK$9,320/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,602/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,243 · Scale 2, in force from 26 Feb 2026)