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$83,922
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,532
−HK$2,652/mo
Today · 4.125%
HK$89,184
baseline
▲ 0.50% · 4.625%
HK$94,611
+HK$5,427/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,368/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,362
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,866
−HK$2,540/mo
Today · 4.125%
HK$98,406
baseline
▲ 0.50% · 4.625%
HK$103,593
+HK$5,187/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,812/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,706
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,838
−HK$3,183/mo
Today · 4.125%
HK$107,021
baseline
▲ 0.50% · 4.625%
HK$113,533
+HK$6,512/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$214,042/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,034
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,039
−HK$3,048/mo
Today · 4.125%
HK$118,087
baseline
▲ 0.50% · 4.625%
HK$124,312
+HK$6,225/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$236,174/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,490
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,145
−HK$3,713/mo
Today · 4.125%
HK$124,858
baseline
▲ 0.50% · 4.625%
HK$132,455
+HK$7,597/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$249,716/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,707
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,212
−HK$3,556/mo
Today · 4.125%
HK$137,768
baseline
▲ 0.50% · 4.625%
HK$145,030
+HK$7,262/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$275,536/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,059
−HK$9,473/mo
▼ 0.25% · 3.875%
HK$155,758
−HK$4,774/mo
Today · 4.125%
HK$160,532
baseline
▲ 0.50% · 4.625%
HK$170,300
+HK$9,768/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$321,064/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,052
−HK$9,079/mo
▼ 0.25% · 3.875%
HK$172,559
−HK$4,572/mo
Today · 4.125%
HK$177,131
baseline
▲ 0.50% · 4.625%
HK$186,468
+HK$9,337/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$354,262/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,564,153 · Scale 2, in force from 26 Feb 2026)