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$83,626
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,227
−HK$2,643/mo
Today · 4.125%
HK$88,870
baseline
▲ 0.50% · 4.625%
HK$94,277
+HK$5,407/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$177,740/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,033
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,528
−HK$2,531/mo
Today · 4.125%
HK$98,059
baseline
▲ 0.50% · 4.625%
HK$103,228
+HK$5,169/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$196,118/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,351
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,472
−HK$3,172/mo
Today · 4.125%
HK$106,644
baseline
▲ 0.50% · 4.625%
HK$113,133
+HK$6,489/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,288/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,639
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,633
−HK$3,038/mo
Today · 4.125%
HK$117,671
baseline
▲ 0.50% · 4.625%
HK$123,873
+HK$6,202/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,342/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,076
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,718
−HK$3,700/mo
Today · 4.125%
HK$124,418
baseline
▲ 0.50% · 4.625%
HK$131,988
+HK$7,570/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$248,836/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,246
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,739
−HK$3,544/mo
Today · 4.125%
HK$137,283
baseline
▲ 0.50% · 4.625%
HK$144,519
+HK$7,236/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$274,566/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,526
−HK$9,440/mo
▼ 0.25% · 3.875%
HK$155,208
−HK$4,758/mo
Today · 4.125%
HK$159,966
baseline
▲ 0.50% · 4.625%
HK$169,699
+HK$9,733/mo
Deposit HK$3.67M · loan HK$33.01M · min. income ≈ HK$319,932/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,459
−HK$9,047/mo
▼ 0.25% · 3.875%
HK$171,950
−HK$4,556/mo
Today · 4.125%
HK$176,506
baseline
▲ 0.50% · 4.625%
HK$185,810
+HK$9,304/mo
Deposit HK$3.67M · loan HK$33.01M · min. income ≈ HK$353,012/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,558,637 · Scale 2, in force from 26 Feb 2026)