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$85,485
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,144
−HK$2,702/mo
Today · 4.125%
HK$90,846
baseline
▲ 0.50% · 4.625%
HK$96,374
+HK$5,528/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$181,692/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,101
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,652
−HK$2,587/mo
Today · 4.125%
HK$100,239
baseline
▲ 0.50% · 4.625%
HK$105,523
+HK$5,284/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$200,478/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,582
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,773
−HK$3,242/mo
Today · 4.125%
HK$109,015
baseline
▲ 0.50% · 4.625%
HK$115,648
+HK$6,633/mo
Deposit HK$15.00M · loan HK$22.49M · min. income ≈ HK$218,030/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,122
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,182
−HK$3,105/mo
Today · 4.125%
HK$120,287
baseline
▲ 0.50% · 4.625%
HK$126,628
+HK$6,341/mo
Deposit HK$15.00M · loan HK$22.49M · min. income ≈ HK$240,574/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,679
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$123,402
−HK$3,782/mo
Today · 4.125%
HK$127,184
baseline
▲ 0.50% · 4.625%
HK$134,923
+HK$7,739/mo
Deposit HK$11.25M · loan HK$26.24M · min. income ≈ HK$254,368/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,142
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$136,713
−HK$3,622/mo
Today · 4.125%
HK$140,335
baseline
▲ 0.50% · 4.625%
HK$147,732
+HK$7,397/mo
Deposit HK$11.25M · loan HK$26.24M · min. income ≈ HK$280,670/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,873
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$158,659
−HK$4,863/mo
Today · 4.125%
HK$163,522
baseline
▲ 0.50% · 4.625%
HK$173,472
+HK$9,950/mo
Deposit HK$3.75M · loan HK$33.74M · min. income ≈ HK$327,044/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,182
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$175,773
−HK$4,658/mo
Today · 4.125%
HK$180,431
baseline
▲ 0.50% · 4.625%
HK$189,942
+HK$9,511/mo
Deposit HK$3.75M · loan HK$33.74M · min. income ≈ HK$360,862/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,293 · Scale 2, in force from 26 Feb 2026)