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$83,407
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$86,001
−HK$2,636/mo
Today · 4.125%
HK$88,637
baseline
▲ 0.50% · 4.625%
HK$94,031
+HK$5,394/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,274/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,789
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,278
−HK$2,524/mo
Today · 4.125%
HK$97,802
baseline
▲ 0.50% · 4.625%
HK$102,958
+HK$5,156/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,604/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,088
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,202
−HK$3,163/mo
Today · 4.125%
HK$106,365
baseline
▲ 0.50% · 4.625%
HK$112,837
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,730/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,347
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,333
−HK$3,030/mo
Today · 4.125%
HK$117,363
baseline
▲ 0.50% · 4.625%
HK$123,549
+HK$6,186/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,726/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,770
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,402
−HK$3,690/mo
Today · 4.125%
HK$124,092
baseline
▲ 0.50% · 4.625%
HK$131,643
+HK$7,551/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$248,184/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,905
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,389
−HK$3,534/mo
Today · 4.125%
HK$136,923
baseline
▲ 0.50% · 4.625%
HK$144,141
+HK$7,218/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$273,846/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,132
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,802
−HK$4,745/mo
Today · 4.125%
HK$159,547
baseline
▲ 0.50% · 4.625%
HK$169,255
+HK$9,708/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,094/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,021
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$171,500
−HK$4,544/mo
Today · 4.125%
HK$176,044
baseline
▲ 0.50% · 4.625%
HK$185,324
+HK$9,280/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,088/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,559 · Scale 2, in force from 26 Feb 2026)