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$83,410
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,005
−HK$2,636/mo
Today · 4.125%
HK$88,641
baseline
▲ 0.50% · 4.625%
HK$94,034
+HK$5,393/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$177,282/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,793
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,281
−HK$2,525/mo
Today · 4.125%
HK$97,806
baseline
▲ 0.50% · 4.625%
HK$102,962
+HK$5,156/mo
Deposit HK$18.29M · loan HK$18.29M · min. income ≈ HK$195,612/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,092
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,205
−HK$3,164/mo
Today · 4.125%
HK$106,369
baseline
▲ 0.50% · 4.625%
HK$112,841
+HK$6,472/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$212,738/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,351
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,338
−HK$3,029/mo
Today · 4.125%
HK$117,367
baseline
▲ 0.50% · 4.625%
HK$123,554
+HK$6,187/mo
Deposit HK$14.63M · loan HK$21.95M · min. income ≈ HK$234,734/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,774
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,406
−HK$3,691/mo
Today · 4.125%
HK$124,097
baseline
▲ 0.50% · 4.625%
HK$131,648
+HK$7,551/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$248,194/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,910
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,394
−HK$3,535/mo
Today · 4.125%
HK$136,929
baseline
▲ 0.50% · 4.625%
HK$144,146
+HK$7,217/mo
Deposit HK$10.97M · loan HK$25.61M · min. income ≈ HK$273,858/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,138
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,808
−HK$4,745/mo
Today · 4.125%
HK$159,553
baseline
▲ 0.50% · 4.625%
HK$169,261
+HK$9,708/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$319,106/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,027
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$171,507
−HK$4,544/mo
Today · 4.125%
HK$176,051
baseline
▲ 0.50% · 4.625%
HK$185,331
+HK$9,280/mo
Deposit HK$3.66M · loan HK$32.92M · min. income ≈ HK$352,102/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,617 · Scale 2, in force from 26 Feb 2026)