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$83,622
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,224
−HK$2,642/mo
Today · 4.125%
HK$88,866
baseline
▲ 0.50% · 4.625%
HK$94,274
+HK$5,408/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$177,732/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,029
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,524
−HK$2,531/mo
Today · 4.125%
HK$98,055
baseline
▲ 0.50% · 4.625%
HK$103,224
+HK$5,169/mo
Deposit HK$18.34M · loan HK$18.34M · min. income ≈ HK$196,110/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,347
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,468
−HK$3,171/mo
Today · 4.125%
HK$106,639
baseline
▲ 0.50% · 4.625%
HK$113,128
+HK$6,489/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,278/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,635
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,629
−HK$3,037/mo
Today · 4.125%
HK$117,666
baseline
▲ 0.50% · 4.625%
HK$123,868
+HK$6,202/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,332/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,071
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,713
−HK$3,700/mo
Today · 4.125%
HK$124,413
baseline
▲ 0.50% · 4.625%
HK$131,983
+HK$7,570/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$248,826/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,241
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,734
−HK$3,543/mo
Today · 4.125%
HK$137,277
baseline
▲ 0.50% · 4.625%
HK$144,513
+HK$7,236/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$274,554/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,520
−HK$9,439/mo
▼ 0.25% · 3.875%
HK$155,202
−HK$4,757/mo
Today · 4.125%
HK$159,959
baseline
▲ 0.50% · 4.625%
HK$169,692
+HK$9,733/mo
Deposit HK$3.67M · loan HK$33.01M · min. income ≈ HK$319,918/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,452
−HK$9,047/mo
▼ 0.25% · 3.875%
HK$171,943
−HK$4,556/mo
Today · 4.125%
HK$176,499
baseline
▲ 0.50% · 4.625%
HK$185,803
+HK$9,304/mo
Deposit HK$3.67M · loan HK$33.01M · min. income ≈ HK$352,998/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,558,576 · Scale 2, in force from 26 Feb 2026)