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$83,593
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,193
−HK$2,642/mo
Today · 4.125%
HK$88,835
baseline
▲ 0.50% · 4.625%
HK$94,241
+HK$5,406/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,670/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,997
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,491
−HK$2,530/mo
Today · 4.125%
HK$98,021
baseline
▲ 0.50% · 4.625%
HK$103,188
+HK$5,167/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,042/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,312
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,432
−HK$3,170/mo
Today · 4.125%
HK$106,602
baseline
▲ 0.50% · 4.625%
HK$113,089
+HK$6,487/mo
Deposit HK$14.66M · loan HK$22.00M · min. income ≈ HK$213,204/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,596
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,589
−HK$3,036/mo
Today · 4.125%
HK$117,625
baseline
▲ 0.50% · 4.625%
HK$123,825
+HK$6,200/mo
Deposit HK$14.66M · loan HK$22.00M · min. income ≈ HK$235,250/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,031
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,671
−HK$3,698/mo
Today · 4.125%
HK$124,369
baseline
▲ 0.50% · 4.625%
HK$131,937
+HK$7,568/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,738/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,195
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,687
−HK$3,542/mo
Today · 4.125%
HK$137,229
baseline
▲ 0.50% · 4.625%
HK$144,463
+HK$7,234/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,458/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,468
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$155,148
−HK$4,756/mo
Today · 4.125%
HK$159,904
baseline
▲ 0.50% · 4.625%
HK$169,633
+HK$9,729/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$319,808/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,394
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$171,883
−HK$4,555/mo
Today · 4.125%
HK$176,438
baseline
▲ 0.50% · 4.625%
HK$185,738
+HK$9,300/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$352,876/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,033 · Scale 2, in force from 26 Feb 2026)