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$83,614
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,215
−HK$2,642/mo
Today · 4.125%
HK$88,857
baseline
▲ 0.50% · 4.625%
HK$94,264
+HK$5,407/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,714/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,019
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,514
−HK$2,531/mo
Today · 4.125%
HK$98,045
baseline
▲ 0.50% · 4.625%
HK$103,213
+HK$5,168/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,090/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,336
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,457
−HK$3,171/mo
Today · 4.125%
HK$106,628
baseline
▲ 0.50% · 4.625%
HK$113,116
+HK$6,488/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$213,256/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,623
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,617
−HK$3,037/mo
Today · 4.125%
HK$117,654
baseline
▲ 0.50% · 4.625%
HK$123,856
+HK$6,202/mo
Deposit HK$14.67M · loan HK$22.00M · min. income ≈ HK$235,308/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,059
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,700
−HK$3,700/mo
Today · 4.125%
HK$124,400
baseline
▲ 0.50% · 4.625%
HK$131,969
+HK$7,569/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$248,800/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,227
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,720
−HK$3,543/mo
Today · 4.125%
HK$137,263
baseline
▲ 0.50% · 4.625%
HK$144,498
+HK$7,235/mo
Deposit HK$11.00M · loan HK$25.67M · min. income ≈ HK$274,526/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,505
−HK$9,438/mo
▼ 0.25% · 3.875%
HK$155,186
−HK$4,757/mo
Today · 4.125%
HK$159,943
baseline
▲ 0.50% · 4.625%
HK$169,675
+HK$9,732/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$319,886/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,435
−HK$9,046/mo
▼ 0.25% · 3.875%
HK$171,925
−HK$4,556/mo
Today · 4.125%
HK$176,481
baseline
▲ 0.50% · 4.625%
HK$185,783
+HK$9,302/mo
Deposit HK$3.67M · loan HK$33.00M · min. income ≈ HK$352,962/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,558,414 · Scale 2, in force from 26 Feb 2026)