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$83,609
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,209
−HK$2,643/mo
Today · 4.125%
HK$88,852
baseline
▲ 0.50% · 4.625%
HK$94,258
+HK$5,406/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,704/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,014
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,508
−HK$2,531/mo
Today · 4.125%
HK$98,039
baseline
▲ 0.50% · 4.625%
HK$103,207
+HK$5,168/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,078/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,330
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,451
−HK$3,171/mo
Today · 4.125%
HK$106,622
baseline
▲ 0.50% · 4.625%
HK$113,110
+HK$6,488/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,244/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,617
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,610
−HK$3,037/mo
Today · 4.125%
HK$117,647
baseline
▲ 0.50% · 4.625%
HK$123,848
+HK$6,201/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,294/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,052
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,693
−HK$3,699/mo
Today · 4.125%
HK$124,392
baseline
▲ 0.50% · 4.625%
HK$131,961
+HK$7,569/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$248,784/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,219
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,712
−HK$3,543/mo
Today · 4.125%
HK$137,255
baseline
▲ 0.50% · 4.625%
HK$144,490
+HK$7,235/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$274,510/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,496
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$155,177
−HK$4,756/mo
Today · 4.125%
HK$159,933
baseline
▲ 0.50% · 4.625%
HK$169,664
+HK$9,731/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$319,866/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,425
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$171,915
−HK$4,555/mo
Today · 4.125%
HK$176,470
baseline
▲ 0.50% · 4.625%
HK$185,772
+HK$9,302/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$352,940/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,320 · Scale 2, in force from 26 Feb 2026)