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$83,778
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,384
−HK$2,648/mo
Today · 4.125%
HK$89,032
baseline
▲ 0.50% · 4.625%
HK$94,449
+HK$5,417/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,064/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,202
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,702
−HK$2,536/mo
Today · 4.125%
HK$98,238
baseline
▲ 0.50% · 4.625%
HK$103,416
+HK$5,178/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,476/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,534
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,661
−HK$3,177/mo
Today · 4.125%
HK$106,838
baseline
▲ 0.50% · 4.625%
HK$113,339
+HK$6,501/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$213,676/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,843
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,842
−HK$3,043/mo
Today · 4.125%
HK$117,885
baseline
▲ 0.50% · 4.625%
HK$124,099
+HK$6,214/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$235,770/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,289
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,938
−HK$3,706/mo
Today · 4.125%
HK$124,644
baseline
▲ 0.50% · 4.625%
HK$132,229
+HK$7,585/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$249,288/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,483
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,983
−HK$3,550/mo
Today · 4.125%
HK$137,533
baseline
▲ 0.50% · 4.625%
HK$144,782
+HK$7,249/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$275,066/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,801
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$155,491
−HK$4,766/mo
Today · 4.125%
HK$160,257
baseline
▲ 0.50% · 4.625%
HK$170,008
+HK$9,751/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$320,514/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,764
−HK$9,064/mo
▼ 0.25% · 3.875%
HK$172,263
−HK$4,565/mo
Today · 4.125%
HK$176,828
baseline
▲ 0.50% · 4.625%
HK$186,149
+HK$9,321/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$353,656/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,478 · Scale 2, in force from 26 Feb 2026)