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$102,611
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,803
−HK$3,243/mo
Today · 4.125%
HK$109,046
baseline
▲ 0.50% · 4.625%
HK$115,681
+HK$6,635/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$218,092/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,154
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,215
−HK$3,106/mo
Today · 4.125%
HK$120,321
baseline
▲ 0.50% · 4.625%
HK$126,664
+HK$6,343/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$240,642/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,133
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,964
−HK$3,891/mo
Today · 4.125%
HK$130,855
baseline
▲ 0.50% · 4.625%
HK$138,817
+HK$7,962/mo
Deposit HK$18.00M · loan HK$27.00M · min. income ≈ HK$261,710/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,985
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,659
−HK$3,727/mo
Today · 4.125%
HK$144,386
baseline
▲ 0.50% · 4.625%
HK$151,996
+HK$7,610/mo
Deposit HK$18.00M · loan HK$27.00M · min. income ≈ HK$288,772/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,656
−HK$9,008/mo
▼ 0.25% · 3.875%
HK$148,124
−HK$4,540/mo
Today · 4.125%
HK$152,664
baseline
▲ 0.50% · 4.625%
HK$161,953
+HK$9,289/mo
Deposit HK$13.50M · loan HK$31.50M · min. income ≈ HK$305,328/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,815
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$164,102
−HK$4,348/mo
Today · 4.125%
HK$168,450
baseline
▲ 0.50% · 4.625%
HK$177,329
+HK$8,879/mo
Deposit HK$13.50M · loan HK$31.50M · min. income ≈ HK$336,900/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,700
−HK$11,582/mo
▼ 0.25% · 3.875%
HK$190,445
−HK$5,837/mo
Today · 4.125%
HK$196,282
baseline
▲ 0.50% · 4.625%
HK$208,226
+HK$11,944/mo
Deposit HK$4.50M · loan HK$40.50M · min. income ≈ HK$392,564/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,477
−HK$11,101/mo
▼ 0.25% · 3.875%
HK$210,988
−HK$5,590/mo
Today · 4.125%
HK$216,578
baseline
▲ 0.50% · 4.625%
HK$227,994
+HK$11,416/mo
Deposit HK$4.50M · loan HK$40.50M · min. income ≈ HK$433,156/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,494 · Scale 2, in force from 26 Feb 2026)