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$83,592
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,193
−HK$2,641/mo
Today · 4.125%
HK$88,834
baseline
▲ 0.50% · 4.625%
HK$94,240
+HK$5,406/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$177,668/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,996
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,490
−HK$2,530/mo
Today · 4.125%
HK$98,020
baseline
▲ 0.50% · 4.625%
HK$103,187
+HK$5,167/mo
Deposit HK$18.33M · loan HK$18.33M · min. income ≈ HK$196,040/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,311
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,431
−HK$3,170/mo
Today · 4.125%
HK$106,601
baseline
▲ 0.50% · 4.625%
HK$113,088
+HK$6,487/mo
Deposit HK$14.66M · loan HK$22.00M · min. income ≈ HK$213,202/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,595
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,588
−HK$3,036/mo
Today · 4.125%
HK$117,624
baseline
▲ 0.50% · 4.625%
HK$123,824
+HK$6,200/mo
Deposit HK$14.66M · loan HK$22.00M · min. income ≈ HK$235,248/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,029
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,670
−HK$3,698/mo
Today · 4.125%
HK$124,368
baseline
▲ 0.50% · 4.625%
HK$131,936
+HK$7,568/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$248,736/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,194
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,686
−HK$3,542/mo
Today · 4.125%
HK$137,228
baseline
▲ 0.50% · 4.625%
HK$144,462
+HK$7,234/mo
Deposit HK$11.00M · loan HK$25.66M · min. income ≈ HK$274,456/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,466
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$155,147
−HK$4,755/mo
Today · 4.125%
HK$159,902
baseline
▲ 0.50% · 4.625%
HK$169,632
+HK$9,730/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$319,804/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,392
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$171,882
−HK$4,554/mo
Today · 4.125%
HK$176,436
baseline
▲ 0.50% · 4.625%
HK$185,736
+HK$9,300/mo
Deposit HK$3.67M · loan HK$32.99M · min. income ≈ HK$352,872/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,558,018 · Scale 2, in force from 26 Feb 2026)