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$83,409
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$86,003
−HK$2,636/mo
Today · 4.125%
HK$88,639
baseline
▲ 0.50% · 4.625%
HK$94,033
+HK$5,394/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,278/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,791
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,280
−HK$2,525/mo
Today · 4.125%
HK$97,805
baseline
▲ 0.50% · 4.625%
HK$102,960
+HK$5,155/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,610/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,091
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,204
−HK$3,163/mo
Today · 4.125%
HK$106,367
baseline
▲ 0.50% · 4.625%
HK$112,839
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,734/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,350
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,336
−HK$3,030/mo
Today · 4.125%
HK$117,366
baseline
▲ 0.50% · 4.625%
HK$123,552
+HK$6,186/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,732/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,772
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,405
−HK$3,690/mo
Today · 4.125%
HK$124,095
baseline
▲ 0.50% · 4.625%
HK$131,646
+HK$7,551/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$248,190/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,908
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,392
−HK$3,535/mo
Today · 4.125%
HK$136,927
baseline
▲ 0.50% · 4.625%
HK$144,144
+HK$7,217/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$273,854/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,136
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,806
−HK$4,745/mo
Today · 4.125%
HK$159,551
baseline
▲ 0.50% · 4.625%
HK$169,259
+HK$9,708/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,102/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,025
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$171,504
−HK$4,544/mo
Today · 4.125%
HK$176,048
baseline
▲ 0.50% · 4.625%
HK$185,328
+HK$9,280/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,096/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,595 · Scale 2, in force from 26 Feb 2026)