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$82,092
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,646
−HK$2,594/mo
Today · 4.125%
HK$87,240
baseline
▲ 0.50% · 4.625%
HK$92,549
+HK$5,309/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,480/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,327
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,776
−HK$2,485/mo
Today · 4.125%
HK$96,261
baseline
▲ 0.50% · 4.625%
HK$101,335
+HK$5,074/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,522/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,511
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,575
−HK$3,113/mo
Today · 4.125%
HK$104,688
baseline
▲ 0.50% · 4.625%
HK$111,058
+HK$6,370/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,376/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,592
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,531
−HK$2,982/mo
Today · 4.125%
HK$115,513
baseline
▲ 0.50% · 4.625%
HK$121,602
+HK$6,089/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$231,026/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,929
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$118,504
−HK$3,632/mo
Today · 4.125%
HK$122,136
baseline
▲ 0.50% · 4.625%
HK$129,568
+HK$7,432/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$244,272/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,858
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,287
−HK$3,478/mo
Today · 4.125%
HK$134,765
baseline
▲ 0.50% · 4.625%
HK$141,869
+HK$7,104/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$269,530/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,766
−HK$9,266/mo
▼ 0.25% · 3.875%
HK$152,363
−HK$4,669/mo
Today · 4.125%
HK$157,032
baseline
▲ 0.50% · 4.625%
HK$166,587
+HK$9,555/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$314,064/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,388
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$168,797
−HK$4,473/mo
Today · 4.125%
HK$173,270
baseline
▲ 0.50% · 4.625%
HK$182,403
+HK$9,133/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$346,540/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,058 · Scale 2, in force from 26 Feb 2026)