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$83,849
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,458
−HK$2,649/mo
Today · 4.125%
HK$89,107
baseline
▲ 0.50% · 4.625%
HK$94,529
+HK$5,422/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,214/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,282
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,783
−HK$2,538/mo
Today · 4.125%
HK$98,321
baseline
▲ 0.50% · 4.625%
HK$103,504
+HK$5,183/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,642/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,619
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,749
−HK$3,180/mo
Today · 4.125%
HK$106,929
baseline
▲ 0.50% · 4.625%
HK$113,435
+HK$6,506/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$213,858/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,938
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,940
−HK$3,045/mo
Today · 4.125%
HK$117,985
baseline
▲ 0.50% · 4.625%
HK$124,205
+HK$6,220/mo
Deposit HK$14.71M · loan HK$22.06M · min. income ≈ HK$235,970/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,389
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$121,041
−HK$3,709/mo
Today · 4.125%
HK$124,750
baseline
▲ 0.50% · 4.625%
HK$132,341
+HK$7,591/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$249,500/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,594
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$134,097
−HK$3,553/mo
Today · 4.125%
HK$137,650
baseline
▲ 0.50% · 4.625%
HK$144,905
+HK$7,255/mo
Deposit HK$11.03M · loan HK$25.74M · min. income ≈ HK$275,300/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,929
−HK$9,464/mo
▼ 0.25% · 3.875%
HK$155,624
−HK$4,769/mo
Today · 4.125%
HK$160,393
baseline
▲ 0.50% · 4.625%
HK$170,153
+HK$9,760/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$320,786/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,907
−HK$9,071/mo
▼ 0.25% · 3.875%
HK$172,410
−HK$4,568/mo
Today · 4.125%
HK$176,978
baseline
▲ 0.50% · 4.625%
HK$186,307
+HK$9,329/mo
Deposit HK$3.68M · loan HK$33.09M · min. income ≈ HK$353,956/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,562,805 · Scale 2, in force from 26 Feb 2026)