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$83,578
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,177
−HK$2,642/mo
Today · 4.125%
HK$88,819
baseline
▲ 0.50% · 4.625%
HK$94,223
+HK$5,404/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,638/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,979
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,473
−HK$2,530/mo
Today · 4.125%
HK$98,003
baseline
▲ 0.50% · 4.625%
HK$103,169
+HK$5,166/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,006/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,293
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,413
−HK$3,170/mo
Today · 4.125%
HK$106,583
baseline
▲ 0.50% · 4.625%
HK$113,068
+HK$6,485/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,166/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,575
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,568
−HK$3,035/mo
Today · 4.125%
HK$117,603
baseline
▲ 0.50% · 4.625%
HK$123,802
+HK$6,199/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,206/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,009
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,648
−HK$3,698/mo
Today · 4.125%
HK$124,346
baseline
▲ 0.50% · 4.625%
HK$131,912
+HK$7,566/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,692/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,171
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$133,662
−HK$3,542/mo
Today · 4.125%
HK$137,204
baseline
▲ 0.50% · 4.625%
HK$144,436
+HK$7,232/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,408/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,440
−HK$9,434/mo
▼ 0.25% · 3.875%
HK$155,119
−HK$4,755/mo
Today · 4.125%
HK$159,874
baseline
▲ 0.50% · 4.625%
HK$169,602
+HK$9,728/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$319,748/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,363
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$171,851
−HK$4,554/mo
Today · 4.125%
HK$176,405
baseline
▲ 0.50% · 4.625%
HK$185,703
+HK$9,298/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$352,810/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,743 · Scale 2, in force from 26 Feb 2026)