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$84,367
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,991
−HK$2,666/mo
Today · 4.125%
HK$89,657
baseline
▲ 0.50% · 4.625%
HK$95,113
+HK$5,456/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,314/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,857
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,375
−HK$2,553/mo
Today · 4.125%
HK$98,928
baseline
▲ 0.50% · 4.625%
HK$104,143
+HK$5,215/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,856/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,240
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,389
−HK$3,200/mo
Today · 4.125%
HK$107,589
baseline
▲ 0.50% · 4.625%
HK$114,135
+HK$6,546/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$215,178/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,629
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,649
−HK$3,065/mo
Today · 4.125%
HK$118,714
baseline
▲ 0.50% · 4.625%
HK$124,971
+HK$6,257/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$237,428/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,114
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,788
−HK$3,732/mo
Today · 4.125%
HK$125,520
baseline
▲ 0.50% · 4.625%
HK$133,158
+HK$7,638/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$251,040/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,400
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$134,924
−HK$3,575/mo
Today · 4.125%
HK$138,499
baseline
▲ 0.50% · 4.625%
HK$145,800
+HK$7,301/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$276,998/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,860
−HK$9,523/mo
▼ 0.25% · 3.875%
HK$156,584
−HK$4,799/mo
Today · 4.125%
HK$161,383
baseline
▲ 0.50% · 4.625%
HK$171,203
+HK$9,820/mo
Deposit HK$3.70M · loan HK$33.30M · min. income ≈ HK$322,766/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,943
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$173,474
−HK$4,597/mo
Today · 4.125%
HK$178,071
baseline
▲ 0.50% · 4.625%
HK$187,457
+HK$9,386/mo
Deposit HK$3.70M · loan HK$33.30M · min. income ≈ HK$356,142/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,452 · Scale 2, in force from 26 Feb 2026)