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$83,720
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,324
−HK$2,646/mo
Today · 4.125%
HK$88,970
baseline
▲ 0.50% · 4.625%
HK$94,384
+HK$5,414/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$177,940/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,138
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,636
−HK$2,534/mo
Today · 4.125%
HK$98,170
baseline
▲ 0.50% · 4.625%
HK$103,344
+HK$5,174/mo
Deposit HK$18.36M · loan HK$18.36M · min. income ≈ HK$196,340/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,464
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,589
−HK$3,175/mo
Today · 4.125%
HK$106,764
baseline
▲ 0.50% · 4.625%
HK$113,260
+HK$6,496/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$213,528/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,765
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,763
−HK$3,041/mo
Today · 4.125%
HK$117,804
baseline
▲ 0.50% · 4.625%
HK$124,013
+HK$6,209/mo
Deposit HK$14.69M · loan HK$22.03M · min. income ≈ HK$235,608/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,208
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,854
−HK$3,704/mo
Today · 4.125%
HK$124,558
baseline
▲ 0.50% · 4.625%
HK$132,137
+HK$7,579/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$249,116/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,393
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,890
−HK$3,547/mo
Today · 4.125%
HK$137,437
baseline
▲ 0.50% · 4.625%
HK$144,682
+HK$7,245/mo
Deposit HK$11.01M · loan HK$25.70M · min. income ≈ HK$274,874/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,696
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,384
−HK$4,762/mo
Today · 4.125%
HK$160,146
baseline
▲ 0.50% · 4.625%
HK$169,891
+HK$9,745/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$320,292/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,648
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$172,144
−HK$4,561/mo
Today · 4.125%
HK$176,705
baseline
▲ 0.50% · 4.625%
HK$186,020
+HK$9,315/mo
Deposit HK$3.67M · loan HK$33.04M · min. income ≈ HK$353,410/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,560,395 · Scale 2, in force from 26 Feb 2026)