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$83,605
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,206
−HK$2,642/mo
Today · 4.125%
HK$88,848
baseline
▲ 0.50% · 4.625%
HK$94,254
+HK$5,406/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,696/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,010
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,504
−HK$2,531/mo
Today · 4.125%
HK$98,035
baseline
▲ 0.50% · 4.625%
HK$103,202
+HK$5,167/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,070/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,326
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,447
−HK$3,170/mo
Today · 4.125%
HK$106,617
baseline
▲ 0.50% · 4.625%
HK$113,105
+HK$6,488/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,234/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,612
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,605
−HK$3,037/mo
Today · 4.125%
HK$117,642
baseline
▲ 0.50% · 4.625%
HK$123,843
+HK$6,201/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,284/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,047
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,688
−HK$3,699/mo
Today · 4.125%
HK$124,387
baseline
▲ 0.50% · 4.625%
HK$131,956
+HK$7,569/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$248,774/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,214
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,706
−HK$3,543/mo
Today · 4.125%
HK$137,249
baseline
▲ 0.50% · 4.625%
HK$144,483
+HK$7,234/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$274,498/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,489
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$155,170
−HK$4,756/mo
Today · 4.125%
HK$159,926
baseline
▲ 0.50% · 4.625%
HK$169,657
+HK$9,731/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$319,852/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,418
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$171,908
−HK$4,555/mo
Today · 4.125%
HK$176,463
baseline
▲ 0.50% · 4.625%
HK$185,764
+HK$9,301/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$352,926/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,253 · Scale 2, in force from 26 Feb 2026)