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$83,867
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,476
−HK$2,651/mo
Today · 4.125%
HK$89,127
baseline
▲ 0.50% · 4.625%
HK$94,550
+HK$5,423/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$178,254/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,302
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,804
−HK$2,538/mo
Today · 4.125%
HK$98,342
baseline
▲ 0.50% · 4.625%
HK$103,526
+HK$5,184/mo
Deposit HK$18.39M · loan HK$18.39M · min. income ≈ HK$196,684/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,641
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,771
−HK$3,181/mo
Today · 4.125%
HK$106,952
baseline
▲ 0.50% · 4.625%
HK$113,460
+HK$6,508/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$213,904/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,962
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,965
−HK$3,046/mo
Today · 4.125%
HK$118,011
baseline
▲ 0.50% · 4.625%
HK$124,231
+HK$6,220/mo
Deposit HK$14.71M · loan HK$22.07M · min. income ≈ HK$236,022/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,414
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,067
−HK$3,710/mo
Today · 4.125%
HK$124,777
baseline
▲ 0.50% · 4.625%
HK$132,370
+HK$7,593/mo
Deposit HK$11.03M · loan HK$25.75M · min. income ≈ HK$249,554/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,622
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,125
−HK$3,554/mo
Today · 4.125%
HK$137,679
baseline
▲ 0.50% · 4.625%
HK$144,937
+HK$7,258/mo
Deposit HK$11.03M · loan HK$25.75M · min. income ≈ HK$275,358/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,961
−HK$9,467/mo
▼ 0.25% · 3.875%
HK$155,657
−HK$4,771/mo
Today · 4.125%
HK$160,428
baseline
▲ 0.50% · 4.625%
HK$170,189
+HK$9,761/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$320,856/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,943
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$172,447
−HK$4,569/mo
Today · 4.125%
HK$177,016
baseline
▲ 0.50% · 4.625%
HK$186,347
+HK$9,331/mo
Deposit HK$3.68M · loan HK$33.10M · min. income ≈ HK$354,032/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,141 · Scale 2, in force from 26 Feb 2026)