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$83,575
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,175
−HK$2,641/mo
Today · 4.125%
HK$88,816
baseline
▲ 0.50% · 4.625%
HK$94,220
+HK$5,404/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,632/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,977
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,470
−HK$2,530/mo
Today · 4.125%
HK$98,000
baseline
▲ 0.50% · 4.625%
HK$103,166
+HK$5,166/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,000/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,290
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,410
−HK$3,169/mo
Today · 4.125%
HK$106,579
baseline
▲ 0.50% · 4.625%
HK$113,065
+HK$6,486/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,158/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,572
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,564
−HK$3,036/mo
Today · 4.125%
HK$117,600
baseline
▲ 0.50% · 4.625%
HK$123,799
+HK$6,199/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,200/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,005
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,645
−HK$3,698/mo
Today · 4.125%
HK$124,343
baseline
▲ 0.50% · 4.625%
HK$131,909
+HK$7,566/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,686/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,167
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$133,658
−HK$3,542/mo
Today · 4.125%
HK$137,200
baseline
▲ 0.50% · 4.625%
HK$144,432
+HK$7,232/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,400/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,436
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$155,115
−HK$4,754/mo
Today · 4.125%
HK$159,869
baseline
▲ 0.50% · 4.625%
HK$169,597
+HK$9,728/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$319,738/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,358
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$171,847
−HK$4,553/mo
Today · 4.125%
HK$176,400
baseline
▲ 0.50% · 4.625%
HK$185,698
+HK$9,298/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$352,800/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,698 · Scale 2, in force from 26 Feb 2026)