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$83,941
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,552
−HK$2,653/mo
Today · 4.125%
HK$89,205
baseline
▲ 0.50% · 4.625%
HK$94,633
+HK$5,428/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,410/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,383
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,888
−HK$2,541/mo
Today · 4.125%
HK$98,429
baseline
▲ 0.50% · 4.625%
HK$103,617
+HK$5,188/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,858/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,729
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,862
−HK$3,184/mo
Today · 4.125%
HK$107,046
baseline
▲ 0.50% · 4.625%
HK$113,559
+HK$6,513/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$214,092/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,060
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,066
−HK$3,048/mo
Today · 4.125%
HK$118,114
baseline
▲ 0.50% · 4.625%
HK$124,340
+HK$6,226/mo
Deposit HK$14.72M · loan HK$22.09M · min. income ≈ HK$236,228/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,517
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,173
−HK$3,714/mo
Today · 4.125%
HK$124,887
baseline
▲ 0.50% · 4.625%
HK$132,486
+HK$7,599/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,774/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,737
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,243
−HK$3,557/mo
Today · 4.125%
HK$137,800
baseline
▲ 0.50% · 4.625%
HK$145,064
+HK$7,264/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,600/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,094
−HK$9,475/mo
▼ 0.25% · 3.875%
HK$155,794
−HK$4,775/mo
Today · 4.125%
HK$160,569
baseline
▲ 0.50% · 4.625%
HK$170,339
+HK$9,770/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,138/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,090
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$172,598
−HK$4,574/mo
Today · 4.125%
HK$177,172
baseline
▲ 0.50% · 4.625%
HK$186,511
+HK$9,339/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,344/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,514 · Scale 2, in force from 26 Feb 2026)