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$85,514
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,174
−HK$2,702/mo
Today · 4.125%
HK$90,876
baseline
▲ 0.50% · 4.625%
HK$96,406
+HK$5,530/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$181,752/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,133
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,684
−HK$2,589/mo
Today · 4.125%
HK$100,273
baseline
▲ 0.50% · 4.625%
HK$105,558
+HK$5,285/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$200,546/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,616
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,808
−HK$3,243/mo
Today · 4.125%
HK$109,051
baseline
▲ 0.50% · 4.625%
HK$115,687
+HK$6,636/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$218,102/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,160
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,221
−HK$3,106/mo
Today · 4.125%
HK$120,327
baseline
▲ 0.50% · 4.625%
HK$126,670
+HK$6,343/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$240,654/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,719
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$123,443
−HK$3,783/mo
Today · 4.125%
HK$127,226
baseline
▲ 0.50% · 4.625%
HK$134,968
+HK$7,742/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$254,452/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,186
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$136,758
−HK$3,624/mo
Today · 4.125%
HK$140,382
baseline
▲ 0.50% · 4.625%
HK$147,782
+HK$7,400/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$280,764/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,924
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$158,712
−HK$4,865/mo
Today · 4.125%
HK$163,577
baseline
▲ 0.50% · 4.625%
HK$173,530
+HK$9,953/mo
Deposit HK$3.75M · loan HK$33.75M · min. income ≈ HK$327,154/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,239
−HK$9,252/mo
▼ 0.25% · 3.875%
HK$175,832
−HK$4,659/mo
Today · 4.125%
HK$180,491
baseline
▲ 0.50% · 4.625%
HK$190,005
+HK$9,514/mo
Deposit HK$3.75M · loan HK$33.75M · min. income ≈ HK$360,982/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,825 · Scale 2, in force from 26 Feb 2026)