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$86,667
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,362
−HK$2,739/mo
Today · 4.125%
HK$92,101
baseline
▲ 0.50% · 4.625%
HK$97,705
+HK$5,604/mo
Deposit HK$19.00M · loan HK$19.00M · min. income ≈ HK$184,202/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,416
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,001
−HK$2,624/mo
Today · 4.125%
HK$101,625
baseline
▲ 0.50% · 4.625%
HK$106,981
+HK$5,356/mo
Deposit HK$19.00M · loan HK$19.00M · min. income ≈ HK$203,250/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,000
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,235
−HK$3,287/mo
Today · 4.125%
HK$110,522
baseline
▲ 0.50% · 4.625%
HK$117,246
+HK$6,724/mo
Deposit HK$15.20M · loan HK$22.80M · min. income ≈ HK$221,044/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,699
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,802
−HK$3,148/mo
Today · 4.125%
HK$121,950
baseline
▲ 0.50% · 4.625%
HK$128,378
+HK$6,428/mo
Deposit HK$15.20M · loan HK$22.80M · min. income ≈ HK$243,900/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,333
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,107
−HK$3,835/mo
Today · 4.125%
HK$128,942
baseline
▲ 0.50% · 4.625%
HK$136,788
+HK$7,846/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,884/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,982
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,602
−HK$3,673/mo
Today · 4.125%
HK$142,275
baseline
▲ 0.50% · 4.625%
HK$149,774
+HK$7,499/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,550/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,000
−HK$9,782/mo
▼ 0.25% · 3.875%
HK$160,852
−HK$4,930/mo
Today · 4.125%
HK$165,782
baseline
▲ 0.50% · 4.625%
HK$175,870
+HK$10,088/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,564/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,548
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$178,203
−HK$4,721/mo
Today · 4.125%
HK$182,924
baseline
▲ 0.50% · 4.625%
HK$192,567
+HK$9,643/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,848/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,313 · Scale 2, in force from 26 Feb 2026)