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$83,714
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,318
−HK$2,645/mo
Today · 4.125%
HK$88,963
baseline
▲ 0.50% · 4.625%
HK$94,376
+HK$5,413/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,926/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,130
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,628
−HK$2,534/mo
Today · 4.125%
HK$98,162
baseline
▲ 0.50% · 4.625%
HK$103,336
+HK$5,174/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,324/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,456
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,581
−HK$3,175/mo
Today · 4.125%
HK$106,756
baseline
▲ 0.50% · 4.625%
HK$113,252
+HK$6,496/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$213,512/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,757
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,754
−HK$3,040/mo
Today · 4.125%
HK$117,794
baseline
▲ 0.50% · 4.625%
HK$124,004
+HK$6,210/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$235,588/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,199
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,845
−HK$3,703/mo
Today · 4.125%
HK$124,548
baseline
▲ 0.50% · 4.625%
HK$132,127
+HK$7,579/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$249,096/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,383
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,879
−HK$3,548/mo
Today · 4.125%
HK$137,427
baseline
▲ 0.50% · 4.625%
HK$144,671
+HK$7,244/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$274,854/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,684
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,372
−HK$4,762/mo
Today · 4.125%
HK$160,134
baseline
▲ 0.50% · 4.625%
HK$169,877
+HK$9,743/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,268/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,635
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$172,131
−HK$4,561/mo
Today · 4.125%
HK$176,692
baseline
▲ 0.50% · 4.625%
HK$186,005
+HK$9,313/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,384/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,275 · Scale 2, in force from 26 Feb 2026)