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$83,590
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,190
−HK$2,642/mo
Today · 4.125%
HK$88,832
baseline
▲ 0.50% · 4.625%
HK$94,237
+HK$5,405/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,664/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,993
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,487
−HK$2,530/mo
Today · 4.125%
HK$98,017
baseline
▲ 0.50% · 4.625%
HK$103,184
+HK$5,167/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,034/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,308
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,428
−HK$3,170/mo
Today · 4.125%
HK$106,598
baseline
▲ 0.50% · 4.625%
HK$113,084
+HK$6,486/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,196/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,591
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,584
−HK$3,036/mo
Today · 4.125%
HK$117,620
baseline
▲ 0.50% · 4.625%
HK$123,820
+HK$6,200/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,240/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,026
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,666
−HK$3,698/mo
Today · 4.125%
HK$124,364
baseline
▲ 0.50% · 4.625%
HK$131,932
+HK$7,568/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,728/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,190
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,682
−HK$3,542/mo
Today · 4.125%
HK$137,224
baseline
▲ 0.50% · 4.625%
HK$144,457
+HK$7,233/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,448/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,462
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$155,142
−HK$4,755/mo
Today · 4.125%
HK$159,897
baseline
▲ 0.50% · 4.625%
HK$169,626
+HK$9,729/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$319,794/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,387
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$171,876
−HK$4,554/mo
Today · 4.125%
HK$176,430
baseline
▲ 0.50% · 4.625%
HK$185,730
+HK$9,300/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$352,860/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,968 · Scale 2, in force from 26 Feb 2026)