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$83,550
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,149
−HK$2,640/mo
Today · 4.125%
HK$88,789
baseline
▲ 0.50% · 4.625%
HK$94,192
+HK$5,403/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$177,578/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,948
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,441
−HK$2,529/mo
Today · 4.125%
HK$97,970
baseline
▲ 0.50% · 4.625%
HK$103,134
+HK$5,164/mo
Deposit HK$18.32M · loan HK$18.32M · min. income ≈ HK$195,940/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,260
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,378
−HK$3,169/mo
Today · 4.125%
HK$106,547
baseline
▲ 0.50% · 4.625%
HK$113,030
+HK$6,483/mo
Deposit HK$14.66M · loan HK$21.98M · min. income ≈ HK$213,094/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,538
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,529
−HK$3,035/mo
Today · 4.125%
HK$117,564
baseline
▲ 0.50% · 4.625%
HK$123,761
+HK$6,197/mo
Deposit HK$14.66M · loan HK$21.98M · min. income ≈ HK$235,128/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,970
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,608
−HK$3,697/mo
Today · 4.125%
HK$124,305
baseline
▲ 0.50% · 4.625%
HK$131,868
+HK$7,563/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$248,610/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,128
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,618
−HK$3,540/mo
Today · 4.125%
HK$137,158
baseline
▲ 0.50% · 4.625%
HK$144,388
+HK$7,230/mo
Deposit HK$10.99M · loan HK$25.65M · min. income ≈ HK$274,316/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,390
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$155,068
−HK$4,752/mo
Today · 4.125%
HK$159,820
baseline
▲ 0.50% · 4.625%
HK$169,545
+HK$9,725/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$319,640/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,307
−HK$9,039/mo
▼ 0.25% · 3.875%
HK$171,794
−HK$4,552/mo
Today · 4.125%
HK$176,346
baseline
▲ 0.50% · 4.625%
HK$185,641
+HK$9,295/mo
Deposit HK$3.66M · loan HK$32.98M · min. income ≈ HK$352,692/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,222 · Scale 2, in force from 26 Feb 2026)