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$83,879
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,489
−HK$2,650/mo
Today · 4.125%
HK$89,139
baseline
▲ 0.50% · 4.625%
HK$94,563
+HK$5,424/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,278/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,315
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,818
−HK$2,539/mo
Today · 4.125%
HK$98,357
baseline
▲ 0.50% · 4.625%
HK$103,541
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,714/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,655
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,786
−HK$3,181/mo
Today · 4.125%
HK$106,967
baseline
▲ 0.50% · 4.625%
HK$113,476
+HK$6,509/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,934/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,978
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,981
−HK$3,047/mo
Today · 4.125%
HK$118,028
baseline
▲ 0.50% · 4.625%
HK$124,249
+HK$6,221/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,056/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,431
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,084
−HK$3,711/mo
Today · 4.125%
HK$124,795
baseline
▲ 0.50% · 4.625%
HK$132,389
+HK$7,594/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$249,590/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,641
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,145
−HK$3,554/mo
Today · 4.125%
HK$137,699
baseline
▲ 0.50% · 4.625%
HK$144,958
+HK$7,259/mo
Deposit HK$11.04M · loan HK$25.75M · min. income ≈ HK$275,398/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,983
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$155,680
−HK$4,771/mo
Today · 4.125%
HK$160,451
baseline
▲ 0.50% · 4.625%
HK$170,214
+HK$9,763/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,902/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,967
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,472
−HK$4,570/mo
Today · 4.125%
HK$177,042
baseline
▲ 0.50% · 4.625%
HK$186,374
+HK$9,332/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,084/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,368 · Scale 2, in force from 26 Feb 2026)