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$83,907
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,517
−HK$2,651/mo
Today · 4.125%
HK$89,168
baseline
▲ 0.50% · 4.625%
HK$94,594
+HK$5,426/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,336/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,345
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,849
−HK$2,540/mo
Today · 4.125%
HK$98,389
baseline
▲ 0.50% · 4.625%
HK$103,575
+HK$5,186/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,778/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,688
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,820
−HK$3,182/mo
Today · 4.125%
HK$107,002
baseline
▲ 0.50% · 4.625%
HK$113,513
+HK$6,511/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$214,004/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,015
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,019
−HK$3,047/mo
Today · 4.125%
HK$118,066
baseline
▲ 0.50% · 4.625%
HK$124,290
+HK$6,224/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$236,132/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,469
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,123
−HK$3,713/mo
Today · 4.125%
HK$124,836
baseline
▲ 0.50% · 4.625%
HK$132,432
+HK$7,596/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$249,672/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,684
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,188
−HK$3,556/mo
Today · 4.125%
HK$137,744
baseline
▲ 0.50% · 4.625%
HK$145,005
+HK$7,261/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$275,488/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,032
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$155,730
−HK$4,773/mo
Today · 4.125%
HK$160,503
baseline
▲ 0.50% · 4.625%
HK$170,269
+HK$9,766/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$321,006/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,022
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$172,528
−HK$4,571/mo
Today · 4.125%
HK$177,099
baseline
▲ 0.50% · 4.625%
HK$186,435
+HK$9,336/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$354,198/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,876 · Scale 2, in force from 26 Feb 2026)