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$83,339
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,931
−HK$2,634/mo
Today · 4.125%
HK$88,565
baseline
▲ 0.50% · 4.625%
HK$93,954
+HK$5,389/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,130/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,714
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,201
−HK$2,522/mo
Today · 4.125%
HK$97,723
baseline
▲ 0.50% · 4.625%
HK$102,874
+HK$5,151/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,446/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,007
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,118
−HK$3,160/mo
Today · 4.125%
HK$106,278
baseline
▲ 0.50% · 4.625%
HK$112,745
+HK$6,467/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,556/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,257
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,241
−HK$3,027/mo
Today · 4.125%
HK$117,268
baseline
▲ 0.50% · 4.625%
HK$123,449
+HK$6,181/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,536/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,675
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,304
−HK$3,687/mo
Today · 4.125%
HK$123,991
baseline
▲ 0.50% · 4.625%
HK$131,536
+HK$7,545/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,982/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,800
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,281
−HK$3,531/mo
Today · 4.125%
HK$136,812
baseline
▲ 0.50% · 4.625%
HK$144,024
+HK$7,212/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,624/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,010
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$154,677
−HK$4,740/mo
Today · 4.125%
HK$159,417
baseline
▲ 0.50% · 4.625%
HK$169,118
+HK$9,701/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,834/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,885
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$171,361
−HK$4,540/mo
Today · 4.125%
HK$175,901
baseline
▲ 0.50% · 4.625%
HK$185,173
+HK$9,272/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,802/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,297 · Scale 2, in force from 26 Feb 2026)