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$83,592
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,192
−HK$2,642/mo
Today · 4.125%
HK$88,834
baseline
▲ 0.50% · 4.625%
HK$94,239
+HK$5,405/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,668/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,995
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,489
−HK$2,530/mo
Today · 4.125%
HK$98,019
baseline
▲ 0.50% · 4.625%
HK$103,186
+HK$5,167/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,038/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,310
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,430
−HK$3,171/mo
Today · 4.125%
HK$106,601
baseline
▲ 0.50% · 4.625%
HK$113,087
+HK$6,486/mo
Deposit HK$14.66M · loan HK$22.00M · min. income ≈ HK$213,202/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,594
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,587
−HK$3,036/mo
Today · 4.125%
HK$117,623
baseline
▲ 0.50% · 4.625%
HK$123,823
+HK$6,200/mo
Deposit HK$14.66M · loan HK$22.00M · min. income ≈ HK$235,246/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,029
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,669
−HK$3,698/mo
Today · 4.125%
HK$124,367
baseline
▲ 0.50% · 4.625%
HK$131,935
+HK$7,568/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,734/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,193
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,685
−HK$3,542/mo
Today · 4.125%
HK$137,227
baseline
▲ 0.50% · 4.625%
HK$144,461
+HK$7,234/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,454/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,465
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$155,146
−HK$4,755/mo
Today · 4.125%
HK$159,901
baseline
▲ 0.50% · 4.625%
HK$169,630
+HK$9,729/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$319,802/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,391
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$171,881
−HK$4,554/mo
Today · 4.125%
HK$176,435
baseline
▲ 0.50% · 4.625%
HK$185,735
+HK$9,300/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$352,870/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,007 · Scale 2, in force from 26 Feb 2026)