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$83,492
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,089
−HK$2,639/mo
Today · 4.125%
HK$88,728
baseline
▲ 0.50% · 4.625%
HK$94,127
+HK$5,399/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,456/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,884
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,376
−HK$2,527/mo
Today · 4.125%
HK$97,903
baseline
▲ 0.50% · 4.625%
HK$103,063
+HK$5,160/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,806/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,191
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,307
−HK$3,167/mo
Today · 4.125%
HK$106,474
baseline
▲ 0.50% · 4.625%
HK$112,952
+HK$6,478/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$212,948/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,461
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,451
−HK$3,032/mo
Today · 4.125%
HK$117,483
baseline
▲ 0.50% · 4.625%
HK$123,676
+HK$6,193/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$234,966/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,889
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,525
−HK$3,694/mo
Today · 4.125%
HK$124,219
baseline
▲ 0.50% · 4.625%
HK$131,778
+HK$7,559/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$248,438/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,038
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,526
−HK$3,538/mo
Today · 4.125%
HK$137,064
baseline
▲ 0.50% · 4.625%
HK$144,289
+HK$7,225/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$274,128/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,286
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$154,961
−HK$4,750/mo
Today · 4.125%
HK$159,711
baseline
▲ 0.50% · 4.625%
HK$169,429
+HK$9,718/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,422/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,192
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$171,676
−HK$4,549/mo
Today · 4.125%
HK$176,225
baseline
▲ 0.50% · 4.625%
HK$185,514
+HK$9,289/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,450/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,153 · Scale 2, in force from 26 Feb 2026)