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$83,706
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,310
−HK$2,645/mo
Today · 4.125%
HK$88,955
baseline
▲ 0.50% · 4.625%
HK$94,368
+HK$5,413/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,910/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,122
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,620
−HK$2,533/mo
Today · 4.125%
HK$98,153
baseline
▲ 0.50% · 4.625%
HK$103,327
+HK$5,174/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,306/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,447
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,572
−HK$3,174/mo
Today · 4.125%
HK$106,746
baseline
▲ 0.50% · 4.625%
HK$113,242
+HK$6,496/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$213,492/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,747
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,744
−HK$3,040/mo
Today · 4.125%
HK$117,784
baseline
▲ 0.50% · 4.625%
HK$123,993
+HK$6,209/mo
Deposit HK$14.68M · loan HK$22.03M · min. income ≈ HK$235,568/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,189
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,834
−HK$3,704/mo
Today · 4.125%
HK$124,538
baseline
▲ 0.50% · 4.625%
HK$132,115
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$249,076/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,371
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,868
−HK$3,547/mo
Today · 4.125%
HK$137,415
baseline
▲ 0.50% · 4.625%
HK$144,658
+HK$7,243/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$274,830/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,671
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$155,358
−HK$4,762/mo
Today · 4.125%
HK$160,120
baseline
▲ 0.50% · 4.625%
HK$169,863
+HK$9,743/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,240/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,620
−HK$9,056/mo
▼ 0.25% · 3.875%
HK$172,116
−HK$4,560/mo
Today · 4.125%
HK$176,676
baseline
▲ 0.50% · 4.625%
HK$185,989
+HK$9,313/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,352/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,139 · Scale 2, in force from 26 Feb 2026)