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$83,886
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,496
−HK$2,651/mo
Today · 4.125%
HK$89,147
baseline
▲ 0.50% · 4.625%
HK$94,571
+HK$5,424/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,294/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,323
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,825
−HK$2,540/mo
Today · 4.125%
HK$98,365
baseline
▲ 0.50% · 4.625%
HK$103,549
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,730/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,663
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,795
−HK$3,181/mo
Today · 4.125%
HK$106,976
baseline
▲ 0.50% · 4.625%
HK$113,485
+HK$6,509/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$213,952/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,987
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,991
−HK$3,046/mo
Today · 4.125%
HK$118,037
baseline
▲ 0.50% · 4.625%
HK$124,259
+HK$6,222/mo
Deposit HK$14.72M · loan HK$22.07M · min. income ≈ HK$236,074/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,441
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,094
−HK$3,711/mo
Today · 4.125%
HK$124,805
baseline
▲ 0.50% · 4.625%
HK$132,399
+HK$7,594/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,610/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,652
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,156
−HK$3,554/mo
Today · 4.125%
HK$137,710
baseline
▲ 0.50% · 4.625%
HK$144,969
+HK$7,259/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,420/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,995
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,692
−HK$4,772/mo
Today · 4.125%
HK$160,464
baseline
▲ 0.50% · 4.625%
HK$170,228
+HK$9,764/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,928/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,981
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,486
−HK$4,570/mo
Today · 4.125%
HK$177,056
baseline
▲ 0.50% · 4.625%
HK$186,389
+HK$9,333/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,112/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,493 · Scale 2, in force from 26 Feb 2026)