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$83,700
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,303
−HK$2,646/mo
Today · 4.125%
HK$88,949
baseline
▲ 0.50% · 4.625%
HK$94,361
+HK$5,412/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,898/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,115
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,613
−HK$2,533/mo
Today · 4.125%
HK$98,146
baseline
▲ 0.50% · 4.625%
HK$103,319
+HK$5,173/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,292/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,440
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,564
−HK$3,174/mo
Today · 4.125%
HK$106,738
baseline
▲ 0.50% · 4.625%
HK$113,233
+HK$6,495/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,476/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,738
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,735
−HK$3,040/mo
Today · 4.125%
HK$117,775
baseline
▲ 0.50% · 4.625%
HK$123,983
+HK$6,208/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,550/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,180
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$120,825
−HK$3,703/mo
Today · 4.125%
HK$124,528
baseline
▲ 0.50% · 4.625%
HK$132,105
+HK$7,577/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,056/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,361
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,858
−HK$3,547/mo
Today · 4.125%
HK$137,405
baseline
▲ 0.50% · 4.625%
HK$144,647
+HK$7,242/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,810/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,660
−HK$9,448/mo
▼ 0.25% · 3.875%
HK$155,346
−HK$4,762/mo
Today · 4.125%
HK$160,108
baseline
▲ 0.50% · 4.625%
HK$169,850
+HK$9,742/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,216/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,608
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,103
−HK$4,560/mo
Today · 4.125%
HK$176,663
baseline
▲ 0.50% · 4.625%
HK$185,975
+HK$9,312/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,326/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,021 · Scale 2, in force from 26 Feb 2026)