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$83,659
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,262
−HK$2,644/mo
Today · 4.125%
HK$88,906
baseline
▲ 0.50% · 4.625%
HK$94,315
+HK$5,409/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$177,812/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,070
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,566
−HK$2,533/mo
Today · 4.125%
HK$98,099
baseline
▲ 0.50% · 4.625%
HK$103,270
+HK$5,171/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$196,198/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,391
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,514
−HK$3,173/mo
Today · 4.125%
HK$106,687
baseline
▲ 0.50% · 4.625%
HK$113,178
+HK$6,491/mo
Deposit HK$14.68M · loan HK$22.01M · min. income ≈ HK$213,374/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,684
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,680
−HK$3,038/mo
Today · 4.125%
HK$117,718
baseline
▲ 0.50% · 4.625%
HK$123,923
+HK$6,205/mo
Deposit HK$14.68M · loan HK$22.01M · min. income ≈ HK$235,436/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,123
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,766
−HK$3,702/mo
Today · 4.125%
HK$124,468
baseline
▲ 0.50% · 4.625%
HK$132,041
+HK$7,573/mo
Deposit HK$11.01M · loan HK$25.68M · min. income ≈ HK$248,936/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,298
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,793
−HK$3,545/mo
Today · 4.125%
HK$137,338
baseline
▲ 0.50% · 4.625%
HK$144,577
+HK$7,239/mo
Deposit HK$11.01M · loan HK$25.68M · min. income ≈ HK$274,676/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,587
−HK$9,443/mo
▼ 0.25% · 3.875%
HK$155,271
−HK$4,759/mo
Today · 4.125%
HK$160,030
baseline
▲ 0.50% · 4.625%
HK$169,768
+HK$9,738/mo
Deposit HK$3.67M · loan HK$33.02M · min. income ≈ HK$320,060/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,527
−HK$9,051/mo
▼ 0.25% · 3.875%
HK$172,020
−HK$4,558/mo
Today · 4.125%
HK$176,578
baseline
▲ 0.50% · 4.625%
HK$185,885
+HK$9,307/mo
Deposit HK$3.67M · loan HK$33.02M · min. income ≈ HK$353,156/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,267 · Scale 2, in force from 26 Feb 2026)