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$83,587
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,187
−HK$2,642/mo
Today · 4.125%
HK$88,829
baseline
▲ 0.50% · 4.625%
HK$94,234
+HK$5,405/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,658/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,990
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,484
−HK$2,530/mo
Today · 4.125%
HK$98,014
baseline
▲ 0.50% · 4.625%
HK$103,180
+HK$5,166/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,028/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,305
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,425
−HK$3,169/mo
Today · 4.125%
HK$106,594
baseline
▲ 0.50% · 4.625%
HK$113,081
+HK$6,487/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$213,188/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,588
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,580
−HK$3,036/mo
Today · 4.125%
HK$117,616
baseline
▲ 0.50% · 4.625%
HK$123,816
+HK$6,200/mo
Deposit HK$14.66M · loan HK$21.99M · min. income ≈ HK$235,232/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,022
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,662
−HK$3,698/mo
Today · 4.125%
HK$124,360
baseline
▲ 0.50% · 4.625%
HK$131,927
+HK$7,567/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,720/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,186
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$133,677
−HK$3,542/mo
Today · 4.125%
HK$137,219
baseline
▲ 0.50% · 4.625%
HK$144,452
+HK$7,233/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,438/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,457
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$155,137
−HK$4,755/mo
Today · 4.125%
HK$159,892
baseline
▲ 0.50% · 4.625%
HK$169,621
+HK$9,729/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$319,784/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,382
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$171,871
−HK$4,554/mo
Today · 4.125%
HK$176,425
baseline
▲ 0.50% · 4.625%
HK$185,724
+HK$9,299/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$352,850/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,557,918 · Scale 2, in force from 26 Feb 2026)