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$83,712
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,315
−HK$2,646/mo
Today · 4.125%
HK$88,961
baseline
▲ 0.50% · 4.625%
HK$94,374
+HK$5,413/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,922/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,128
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,626
−HK$2,534/mo
Today · 4.125%
HK$98,160
baseline
▲ 0.50% · 4.625%
HK$103,334
+HK$5,174/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,320/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,454
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,579
−HK$3,174/mo
Today · 4.125%
HK$106,753
baseline
▲ 0.50% · 4.625%
HK$113,249
+HK$6,496/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$213,506/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,754
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,751
−HK$3,041/mo
Today · 4.125%
HK$117,792
baseline
▲ 0.50% · 4.625%
HK$124,001
+HK$6,209/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$235,584/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,196
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,842
−HK$3,703/mo
Today · 4.125%
HK$124,545
baseline
▲ 0.50% · 4.625%
HK$132,124
+HK$7,579/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$249,090/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,380
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,876
−HK$3,548/mo
Today · 4.125%
HK$137,424
baseline
▲ 0.50% · 4.625%
HK$144,667
+HK$7,243/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$274,848/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,681
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$155,368
−HK$4,762/mo
Today · 4.125%
HK$160,130
baseline
▲ 0.50% · 4.625%
HK$169,873
+HK$9,743/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,260/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,631
−HK$9,056/mo
▼ 0.25% · 3.875%
HK$172,127
−HK$4,560/mo
Today · 4.125%
HK$176,687
baseline
▲ 0.50% · 4.625%
HK$186,001
+HK$9,314/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,374/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,238 · Scale 2, in force from 26 Feb 2026)