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$82,077
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,630
−HK$2,593/mo
Today · 4.125%
HK$87,223
baseline
▲ 0.50% · 4.625%
HK$92,531
+HK$5,308/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,446/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,309
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,484/mo
Today · 4.125%
HK$96,242
baseline
▲ 0.50% · 4.625%
HK$101,316
+HK$5,074/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,484/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,492
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,556
−HK$3,112/mo
Today · 4.125%
HK$104,668
baseline
▲ 0.50% · 4.625%
HK$111,037
+HK$6,369/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,336/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,571
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,510
−HK$2,981/mo
Today · 4.125%
HK$115,491
baseline
▲ 0.50% · 4.625%
HK$121,579
+HK$6,088/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$230,982/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,907
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,481
−HK$3,632/mo
Today · 4.125%
HK$122,113
baseline
▲ 0.50% · 4.625%
HK$129,543
+HK$7,430/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$244,226/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,833
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,261
−HK$3,478/mo
Today · 4.125%
HK$134,739
baseline
▲ 0.50% · 4.625%
HK$141,842
+HK$7,103/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$269,478/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,738
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,333
−HK$4,669/mo
Today · 4.125%
HK$157,002
baseline
▲ 0.50% · 4.625%
HK$166,555
+HK$9,553/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$314,004/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,357
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,765
−HK$4,471/mo
Today · 4.125%
HK$173,236
baseline
▲ 0.50% · 4.625%
HK$182,368
+HK$9,132/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$346,472/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,764 · Scale 2, in force from 26 Feb 2026)