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$83,474
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,071
−HK$2,638/mo
Today · 4.125%
HK$88,709
baseline
▲ 0.50% · 4.625%
HK$94,106
+HK$5,397/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,418/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,864
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,355
−HK$2,526/mo
Today · 4.125%
HK$97,881
baseline
▲ 0.50% · 4.625%
HK$103,041
+HK$5,160/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,762/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,169
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,285
−HK$3,165/mo
Today · 4.125%
HK$106,450
baseline
▲ 0.50% · 4.625%
HK$112,928
+HK$6,478/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,900/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,437
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,426
−HK$3,032/mo
Today · 4.125%
HK$117,458
baseline
▲ 0.50% · 4.625%
HK$123,649
+HK$6,191/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,916/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,864
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,499
−HK$3,693/mo
Today · 4.125%
HK$124,192
baseline
▲ 0.50% · 4.625%
HK$131,749
+HK$7,557/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$248,384/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,010
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,497
−HK$3,537/mo
Today · 4.125%
HK$137,034
baseline
▲ 0.50% · 4.625%
HK$144,257
+HK$7,223/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$274,068/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,253
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$154,927
−HK$4,749/mo
Today · 4.125%
HK$159,676
baseline
▲ 0.50% · 4.625%
HK$169,391
+HK$9,715/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,352/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,155
−HK$9,031/mo
▼ 0.25% · 3.875%
HK$171,638
−HK$4,548/mo
Today · 4.125%
HK$176,186
baseline
▲ 0.50% · 4.625%
HK$185,473
+HK$9,287/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,372/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,812 · Scale 2, in force from 26 Feb 2026)