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$86,670
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,366
−HK$2,739/mo
Today · 4.125%
HK$92,105
baseline
▲ 0.50% · 4.625%
HK$97,709
+HK$5,604/mo
Deposit HK$19.00M · loan HK$19.00M · min. income ≈ HK$184,210/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,419
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,005
−HK$2,624/mo
Today · 4.125%
HK$101,629
baseline
▲ 0.50% · 4.625%
HK$106,986
+HK$5,357/mo
Deposit HK$19.00M · loan HK$19.00M · min. income ≈ HK$203,258/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,004
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,239
−HK$3,287/mo
Today · 4.125%
HK$110,526
baseline
▲ 0.50% · 4.625%
HK$117,251
+HK$6,725/mo
Deposit HK$15.20M · loan HK$22.81M · min. income ≈ HK$221,052/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,703
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,806
−HK$3,148/mo
Today · 4.125%
HK$121,954
baseline
▲ 0.50% · 4.625%
HK$128,383
+HK$6,429/mo
Deposit HK$15.20M · loan HK$22.81M · min. income ≈ HK$243,908/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,338
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,112
−HK$3,835/mo
Today · 4.125%
HK$128,947
baseline
▲ 0.50% · 4.625%
HK$136,793
+HK$7,846/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,894/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,987
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,608
−HK$3,672/mo
Today · 4.125%
HK$142,280
baseline
▲ 0.50% · 4.625%
HK$149,780
+HK$7,500/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,560/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,006
−HK$9,783/mo
▼ 0.25% · 3.875%
HK$160,859
−HK$4,930/mo
Today · 4.125%
HK$165,789
baseline
▲ 0.50% · 4.625%
HK$175,877
+HK$10,088/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,578/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,555
−HK$9,377/mo
▼ 0.25% · 3.875%
HK$178,210
−HK$4,722/mo
Today · 4.125%
HK$182,932
baseline
▲ 0.50% · 4.625%
HK$192,574
+HK$9,642/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,864/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,378 · Scale 2, in force from 26 Feb 2026)