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$83,231
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,820
−HK$2,630/mo
Today · 4.125%
HK$88,450
baseline
▲ 0.50% · 4.625%
HK$93,832
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,900/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,593
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,077
−HK$2,519/mo
Today · 4.125%
HK$97,596
baseline
▲ 0.50% · 4.625%
HK$102,740
+HK$5,144/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,192/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,877
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,984
−HK$3,156/mo
Today · 4.125%
HK$106,140
baseline
▲ 0.50% · 4.625%
HK$112,598
+HK$6,458/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,280/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,112
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,092
−HK$3,023/mo
Today · 4.125%
HK$117,115
baseline
▲ 0.50% · 4.625%
HK$123,288
+HK$6,173/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,230/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,523
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,148
−HK$3,682/mo
Today · 4.125%
HK$123,830
baseline
▲ 0.50% · 4.625%
HK$131,365
+HK$7,535/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,660/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,631
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,107
−HK$3,527/mo
Today · 4.125%
HK$136,634
baseline
▲ 0.50% · 4.625%
HK$143,836
+HK$7,202/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,268/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,815
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$154,475
−HK$4,735/mo
Today · 4.125%
HK$159,210
baseline
▲ 0.50% · 4.625%
HK$168,898
+HK$9,688/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,420/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,668
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,138
−HK$4,535/mo
Today · 4.125%
HK$175,673
baseline
▲ 0.50% · 4.625%
HK$184,932
+HK$9,259/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,346/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,276 · Scale 2, in force from 26 Feb 2026)