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$85,526
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,187
−HK$2,703/mo
Today · 4.125%
HK$90,890
baseline
▲ 0.50% · 4.625%
HK$96,420
+HK$5,530/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$181,780/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,147
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,699
−HK$2,589/mo
Today · 4.125%
HK$100,288
baseline
▲ 0.50% · 4.625%
HK$105,574
+HK$5,286/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$200,576/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,632
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,824
−HK$3,244/mo
Today · 4.125%
HK$109,068
baseline
▲ 0.50% · 4.625%
HK$115,704
+HK$6,636/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$218,136/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,177
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,239
−HK$3,106/mo
Today · 4.125%
HK$120,345
baseline
▲ 0.50% · 4.625%
HK$126,689
+HK$6,344/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$240,690/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,737
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,461
−HK$3,785/mo
Today · 4.125%
HK$127,246
baseline
▲ 0.50% · 4.625%
HK$134,988
+HK$7,742/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$254,492/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,206
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,779
−HK$3,624/mo
Today · 4.125%
HK$140,403
baseline
▲ 0.50% · 4.625%
HK$147,804
+HK$7,401/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$280,806/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,948
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$158,736
−HK$4,865/mo
Today · 4.125%
HK$163,601
baseline
▲ 0.50% · 4.625%
HK$173,556
+HK$9,955/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$327,202/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,265
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$175,858
−HK$4,660/mo
Today · 4.125%
HK$180,518
baseline
▲ 0.50% · 4.625%
HK$190,033
+HK$9,515/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$361,036/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,594,063 · Scale 2, in force from 26 Feb 2026)