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$83,401
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,995
−HK$2,636/mo
Today · 4.125%
HK$88,631
baseline
▲ 0.50% · 4.625%
HK$94,024
+HK$5,393/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,262/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,783
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,271
−HK$2,525/mo
Today · 4.125%
HK$97,796
baseline
▲ 0.50% · 4.625%
HK$102,951
+HK$5,155/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,592/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,081
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,194
−HK$3,163/mo
Today · 4.125%
HK$106,357
baseline
▲ 0.50% · 4.625%
HK$112,829
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,714/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,339
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,326
−HK$3,029/mo
Today · 4.125%
HK$117,355
baseline
▲ 0.50% · 4.625%
HK$123,541
+HK$6,186/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,710/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,762
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,394
−HK$3,690/mo
Today · 4.125%
HK$124,084
baseline
▲ 0.50% · 4.625%
HK$131,634
+HK$7,550/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$248,168/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,896
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,380
−HK$3,534/mo
Today · 4.125%
HK$136,914
baseline
▲ 0.50% · 4.625%
HK$144,131
+HK$7,217/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$273,828/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,122
−HK$9,414/mo
▼ 0.25% · 3.875%
HK$154,792
−HK$4,744/mo
Today · 4.125%
HK$159,536
baseline
▲ 0.50% · 4.625%
HK$169,243
+HK$9,707/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,072/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,009
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$171,488
−HK$4,544/mo
Today · 4.125%
HK$176,032
baseline
▲ 0.50% · 4.625%
HK$185,311
+HK$9,279/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,064/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,452 · Scale 2, in force from 26 Feb 2026)