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$83,337
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,929
−HK$2,634/mo
Today · 4.125%
HK$88,563
baseline
▲ 0.50% · 4.625%
HK$93,952
+HK$5,389/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,126/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,711
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,198
−HK$2,522/mo
Today · 4.125%
HK$97,720
baseline
▲ 0.50% · 4.625%
HK$102,871
+HK$5,151/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,440/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,004
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,115
−HK$3,160/mo
Today · 4.125%
HK$106,275
baseline
▲ 0.50% · 4.625%
HK$112,742
+HK$6,467/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,550/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,254
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,237
−HK$3,027/mo
Today · 4.125%
HK$117,264
baseline
▲ 0.50% · 4.625%
HK$123,445
+HK$6,181/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,528/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,671
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,301
−HK$3,687/mo
Today · 4.125%
HK$123,988
baseline
▲ 0.50% · 4.625%
HK$131,532
+HK$7,544/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,976/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,796
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,277
−HK$3,531/mo
Today · 4.125%
HK$136,808
baseline
▲ 0.50% · 4.625%
HK$144,020
+HK$7,212/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,616/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,006
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$154,672
−HK$4,741/mo
Today · 4.125%
HK$159,413
baseline
▲ 0.50% · 4.625%
HK$169,113
+HK$9,700/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,826/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,880
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$171,356
−HK$4,540/mo
Today · 4.125%
HK$175,896
baseline
▲ 0.50% · 4.625%
HK$185,168
+HK$9,272/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,792/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,252 · Scale 2, in force from 26 Feb 2026)