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$83,434
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,029
−HK$2,637/mo
Today · 4.125%
HK$88,666
baseline
▲ 0.50% · 4.625%
HK$94,061
+HK$5,395/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,332/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,820
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,309
−HK$2,525/mo
Today · 4.125%
HK$97,834
baseline
▲ 0.50% · 4.625%
HK$102,991
+HK$5,157/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,668/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,121
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,235
−HK$3,164/mo
Today · 4.125%
HK$106,399
baseline
▲ 0.50% · 4.625%
HK$112,873
+HK$6,474/mo
Deposit HK$14.64M · loan HK$21.95M · min. income ≈ HK$212,798/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,383
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,371
−HK$3,030/mo
Today · 4.125%
HK$117,401
baseline
▲ 0.50% · 4.625%
HK$123,590
+HK$6,189/mo
Deposit HK$14.64M · loan HK$21.95M · min. income ≈ HK$234,802/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,808
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,441
−HK$3,692/mo
Today · 4.125%
HK$124,133
baseline
▲ 0.50% · 4.625%
HK$131,686
+HK$7,553/mo
Deposit HK$10.98M · loan HK$25.61M · min. income ≈ HK$248,266/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,947
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,432
−HK$3,536/mo
Today · 4.125%
HK$136,968
baseline
▲ 0.50% · 4.625%
HK$144,188
+HK$7,220/mo
Deposit HK$10.98M · loan HK$25.61M · min. income ≈ HK$273,936/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,181
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$154,853
−HK$4,746/mo
Today · 4.125%
HK$159,599
baseline
▲ 0.50% · 4.625%
HK$169,310
+HK$9,711/mo
Deposit HK$3.66M · loan HK$32.93M · min. income ≈ HK$319,198/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,075
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$171,556
−HK$4,546/mo
Today · 4.125%
HK$176,102
baseline
▲ 0.50% · 4.625%
HK$185,384
+HK$9,282/mo
Deposit HK$3.66M · loan HK$32.93M · min. income ≈ HK$352,204/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,555,065 · Scale 2, in force from 26 Feb 2026)