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$83,606
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,206
−HK$2,643/mo
Today · 4.125%
HK$88,849
baseline
▲ 0.50% · 4.625%
HK$94,255
+HK$5,406/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,698/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,011
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,505
−HK$2,531/mo
Today · 4.125%
HK$98,036
baseline
▲ 0.50% · 4.625%
HK$103,203
+HK$5,167/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,072/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,327
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,448
−HK$3,170/mo
Today · 4.125%
HK$106,618
baseline
▲ 0.50% · 4.625%
HK$113,106
+HK$6,488/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,236/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,613
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,606
−HK$3,037/mo
Today · 4.125%
HK$117,643
baseline
▲ 0.50% · 4.625%
HK$123,844
+HK$6,201/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,286/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,048
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,689
−HK$3,699/mo
Today · 4.125%
HK$124,388
baseline
▲ 0.50% · 4.625%
HK$131,957
+HK$7,569/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$248,776/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,215
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,707
−HK$3,543/mo
Today · 4.125%
HK$137,250
baseline
▲ 0.50% · 4.625%
HK$144,485
+HK$7,235/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$274,500/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,490
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$155,172
−HK$4,755/mo
Today · 4.125%
HK$159,927
baseline
▲ 0.50% · 4.625%
HK$169,659
+HK$9,732/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$319,854/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,419
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$171,909
−HK$4,555/mo
Today · 4.125%
HK$176,464
baseline
▲ 0.50% · 4.625%
HK$185,766
+HK$9,302/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$352,928/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,266 · Scale 2, in force from 26 Feb 2026)