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$102,591
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,782
−HK$3,242/mo
Today · 4.125%
HK$109,024
baseline
▲ 0.50% · 4.625%
HK$115,658
+HK$6,634/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$218,048/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,131
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,192
−HK$3,105/mo
Today · 4.125%
HK$120,297
baseline
▲ 0.50% · 4.625%
HK$126,638
+HK$6,341/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$240,594/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,109
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,938
−HK$3,891/mo
Today · 4.125%
HK$130,829
baseline
▲ 0.50% · 4.625%
HK$138,789
+HK$7,960/mo
Deposit HK$18.00M · loan HK$26.99M · min. income ≈ HK$261,658/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,957
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$140,630
−HK$3,727/mo
Today · 4.125%
HK$144,357
baseline
▲ 0.50% · 4.625%
HK$151,966
+HK$7,609/mo
Deposit HK$18.00M · loan HK$26.99M · min. income ≈ HK$288,714/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,627
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,095
−HK$4,539/mo
Today · 4.125%
HK$152,634
baseline
▲ 0.50% · 4.625%
HK$161,921
+HK$9,287/mo
Deposit HK$13.50M · loan HK$31.49M · min. income ≈ HK$305,268/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,784
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$164,069
−HK$4,347/mo
Today · 4.125%
HK$168,416
baseline
▲ 0.50% · 4.625%
HK$177,294
+HK$8,878/mo
Deposit HK$13.50M · loan HK$31.49M · min. income ≈ HK$336,832/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,663
−HK$11,580/mo
▼ 0.25% · 3.875%
HK$190,407
−HK$5,836/mo
Today · 4.125%
HK$196,243
baseline
▲ 0.50% · 4.625%
HK$208,184
+HK$11,941/mo
Deposit HK$4.50M · loan HK$40.49M · min. income ≈ HK$392,486/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,436
−HK$11,099/mo
▼ 0.25% · 3.875%
HK$210,946
−HK$5,589/mo
Today · 4.125%
HK$216,535
baseline
▲ 0.50% · 4.625%
HK$227,949
+HK$11,414/mo
Deposit HK$4.50M · loan HK$40.49M · min. income ≈ HK$433,070/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,111 · Scale 2, in force from 26 Feb 2026)