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$83,461
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,057
−HK$2,637/mo
Today · 4.125%
HK$88,694
baseline
▲ 0.50% · 4.625%
HK$94,091
+HK$5,397/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,388/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,849
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,339
−HK$2,526/mo
Today · 4.125%
HK$97,865
baseline
▲ 0.50% · 4.625%
HK$103,024
+HK$5,159/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,730/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,153
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,268
−HK$3,165/mo
Today · 4.125%
HK$106,433
baseline
▲ 0.50% · 4.625%
HK$112,909
+HK$6,476/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,866/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,419
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,407
−HK$3,032/mo
Today · 4.125%
HK$117,439
baseline
▲ 0.50% · 4.625%
HK$123,629
+HK$6,190/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,878/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,845
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,479
−HK$3,693/mo
Today · 4.125%
HK$124,172
baseline
▲ 0.50% · 4.625%
HK$131,728
+HK$7,556/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$248,344/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,989
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,475
−HK$3,537/mo
Today · 4.125%
HK$137,012
baseline
▲ 0.50% · 4.625%
HK$144,234
+HK$7,222/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$274,024/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,229
−HK$9,421/mo
▼ 0.25% · 3.875%
HK$154,902
−HK$4,748/mo
Today · 4.125%
HK$159,650
baseline
▲ 0.50% · 4.625%
HK$169,364
+HK$9,714/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$319,300/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,128
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$171,611
−HK$4,547/mo
Today · 4.125%
HK$176,158
baseline
▲ 0.50% · 4.625%
HK$185,443
+HK$9,285/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$352,316/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,561 · Scale 2, in force from 26 Feb 2026)