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$83,469
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,065
−HK$2,638/mo
Today · 4.125%
HK$88,703
baseline
▲ 0.50% · 4.625%
HK$94,101
+HK$5,398/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,406/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,858
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,349
−HK$2,526/mo
Today · 4.125%
HK$97,875
baseline
▲ 0.50% · 4.625%
HK$103,034
+HK$5,159/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,750/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,163
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,278
−HK$3,166/mo
Today · 4.125%
HK$106,444
baseline
▲ 0.50% · 4.625%
HK$112,921
+HK$6,477/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,888/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,430
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,419
−HK$3,031/mo
Today · 4.125%
HK$117,450
baseline
▲ 0.50% · 4.625%
HK$123,641
+HK$6,191/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,900/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,857
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,491
−HK$3,694/mo
Today · 4.125%
HK$124,185
baseline
▲ 0.50% · 4.625%
HK$131,741
+HK$7,556/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$248,370/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,002
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,488
−HK$3,537/mo
Today · 4.125%
HK$137,025
baseline
▲ 0.50% · 4.625%
HK$144,248
+HK$7,223/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$274,050/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,244
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$154,918
−HK$4,748/mo
Today · 4.125%
HK$159,666
baseline
▲ 0.50% · 4.625%
HK$169,381
+HK$9,715/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$319,332/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,145
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$171,628
−HK$4,547/mo
Today · 4.125%
HK$176,175
baseline
▲ 0.50% · 4.625%
HK$185,462
+HK$9,287/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$352,350/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,717 · Scale 2, in force from 26 Feb 2026)