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$83,444
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,040
−HK$2,637/mo
Today · 4.125%
HK$88,677
baseline
▲ 0.50% · 4.625%
HK$94,073
+HK$5,396/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,354/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,831
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,321
−HK$2,525/mo
Today · 4.125%
HK$97,846
baseline
▲ 0.50% · 4.625%
HK$103,004
+HK$5,158/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,692/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,133
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,248
−HK$3,164/mo
Today · 4.125%
HK$106,412
baseline
▲ 0.50% · 4.625%
HK$112,887
+HK$6,475/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,824/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,397
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,385
−HK$3,030/mo
Today · 4.125%
HK$117,415
baseline
▲ 0.50% · 4.625%
HK$123,605
+HK$6,190/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,830/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,822
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$120,456
−HK$3,692/mo
Today · 4.125%
HK$124,148
baseline
▲ 0.50% · 4.625%
HK$131,702
+HK$7,554/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$248,296/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,963
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$133,449
−HK$3,536/mo
Today · 4.125%
HK$136,985
baseline
▲ 0.50% · 4.625%
HK$144,205
+HK$7,220/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$273,970/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,200
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$154,872
−HK$4,746/mo
Today · 4.125%
HK$159,618
baseline
▲ 0.50% · 4.625%
HK$169,331
+HK$9,713/mo
Deposit HK$3.66M · loan HK$32.93M · min. income ≈ HK$319,236/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,096
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$171,577
−HK$4,546/mo
Today · 4.125%
HK$176,123
baseline
▲ 0.50% · 4.625%
HK$185,407
+HK$9,284/mo
Deposit HK$3.66M · loan HK$32.93M · min. income ≈ HK$352,246/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,555,255 · Scale 2, in force from 26 Feb 2026)