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$83,602
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,203
−HK$2,642/mo
Today · 4.125%
HK$88,845
baseline
▲ 0.50% · 4.625%
HK$94,251
+HK$5,406/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,690/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,007
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,501
−HK$2,531/mo
Today · 4.125%
HK$98,032
baseline
▲ 0.50% · 4.625%
HK$103,199
+HK$5,167/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,064/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,323
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,444
−HK$3,170/mo
Today · 4.125%
HK$106,614
baseline
▲ 0.50% · 4.625%
HK$113,101
+HK$6,487/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,228/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,608
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,602
−HK$3,036/mo
Today · 4.125%
HK$117,638
baseline
▲ 0.50% · 4.625%
HK$123,839
+HK$6,201/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,276/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,043
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,684
−HK$3,699/mo
Today · 4.125%
HK$124,383
baseline
▲ 0.50% · 4.625%
HK$131,952
+HK$7,569/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,766/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,210
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,702
−HK$3,542/mo
Today · 4.125%
HK$137,244
baseline
▲ 0.50% · 4.625%
HK$144,479
+HK$7,235/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,488/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,484
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$155,165
−HK$4,756/mo
Today · 4.125%
HK$159,921
baseline
▲ 0.50% · 4.625%
HK$169,652
+HK$9,731/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$319,842/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,412
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$171,902
−HK$4,555/mo
Today · 4.125%
HK$176,457
baseline
▲ 0.50% · 4.625%
HK$185,759
+HK$9,302/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$352,914/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,205 · Scale 2, in force from 26 Feb 2026)