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$83,196
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,784
−HK$2,629/mo
Today · 4.125%
HK$88,413
baseline
▲ 0.50% · 4.625%
HK$93,793
+HK$5,380/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,826/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,554
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,037
−HK$2,518/mo
Today · 4.125%
HK$97,555
baseline
▲ 0.50% · 4.625%
HK$102,697
+HK$5,142/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,110/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,835
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,940
−HK$3,155/mo
Today · 4.125%
HK$106,095
baseline
▲ 0.50% · 4.625%
HK$112,551
+HK$6,456/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,190/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,065
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,044
−HK$3,022/mo
Today · 4.125%
HK$117,066
baseline
▲ 0.50% · 4.625%
HK$123,237
+HK$6,171/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,132/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,474
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,097
−HK$3,681/mo
Today · 4.125%
HK$123,778
baseline
▲ 0.50% · 4.625%
HK$131,310
+HK$7,532/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,556/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,576
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,051
−HK$3,526/mo
Today · 4.125%
HK$136,577
baseline
▲ 0.50% · 4.625%
HK$143,776
+HK$7,199/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,154/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,752
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$154,410
−HK$4,733/mo
Today · 4.125%
HK$159,143
baseline
▲ 0.50% · 4.625%
HK$168,827
+HK$9,684/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,286/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,598
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$171,066
−HK$4,533/mo
Today · 4.125%
HK$175,599
baseline
▲ 0.50% · 4.625%
HK$184,855
+HK$9,256/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,198/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,624 · Scale 2, in force from 26 Feb 2026)