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$83,607
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,208
−HK$2,642/mo
Today · 4.125%
HK$88,850
baseline
▲ 0.50% · 4.625%
HK$94,256
+HK$5,406/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,700/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,012
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,507
−HK$2,530/mo
Today · 4.125%
HK$98,037
baseline
▲ 0.50% · 4.625%
HK$103,205
+HK$5,168/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,074/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,328
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,449
−HK$3,171/mo
Today · 4.125%
HK$106,620
baseline
▲ 0.50% · 4.625%
HK$113,108
+HK$6,488/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,240/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,614
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,608
−HK$3,037/mo
Today · 4.125%
HK$117,645
baseline
▲ 0.50% · 4.625%
HK$123,846
+HK$6,201/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,290/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,050
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,691
−HK$3,699/mo
Today · 4.125%
HK$124,390
baseline
▲ 0.50% · 4.625%
HK$131,959
+HK$7,569/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$248,780/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,217
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,709
−HK$3,543/mo
Today · 4.125%
HK$137,252
baseline
▲ 0.50% · 4.625%
HK$144,487
+HK$7,235/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$274,504/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,493
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$155,174
−HK$4,756/mo
Today · 4.125%
HK$159,930
baseline
▲ 0.50% · 4.625%
HK$169,661
+HK$9,731/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$319,860/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,422
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$171,912
−HK$4,555/mo
Today · 4.125%
HK$176,467
baseline
▲ 0.50% · 4.625%
HK$185,769
+HK$9,302/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$352,934/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,290 · Scale 2, in force from 26 Feb 2026)