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$84,353
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,977
−HK$2,666/mo
Today · 4.125%
HK$89,643
baseline
▲ 0.50% · 4.625%
HK$95,098
+HK$5,455/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,286/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,842
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,359
−HK$2,553/mo
Today · 4.125%
HK$98,912
baseline
▲ 0.50% · 4.625%
HK$104,126
+HK$5,214/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,824/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,224
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,373
−HK$3,199/mo
Today · 4.125%
HK$107,572
baseline
▲ 0.50% · 4.625%
HK$114,117
+HK$6,545/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$215,144/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,611
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,631
−HK$3,064/mo
Today · 4.125%
HK$118,695
baseline
▲ 0.50% · 4.625%
HK$124,951
+HK$6,256/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$237,390/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,095
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,768
−HK$3,732/mo
Today · 4.125%
HK$125,500
baseline
▲ 0.50% · 4.625%
HK$133,137
+HK$7,637/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$251,000/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,379
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,903
−HK$3,574/mo
Today · 4.125%
HK$138,477
baseline
▲ 0.50% · 4.625%
HK$145,777
+HK$7,300/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$276,954/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,836
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$156,559
−HK$4,799/mo
Today · 4.125%
HK$161,358
baseline
▲ 0.50% · 4.625%
HK$171,176
+HK$9,818/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$322,716/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,916
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$173,447
−HK$4,595/mo
Today · 4.125%
HK$178,042
baseline
▲ 0.50% · 4.625%
HK$187,427
+HK$9,385/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$356,084/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,202 · Scale 2, in force from 26 Feb 2026)