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$82,084
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,637
−HK$2,594/mo
Today · 4.125%
HK$87,231
baseline
▲ 0.50% · 4.625%
HK$92,539
+HK$5,308/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,462/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,317
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,766
−HK$2,485/mo
Today · 4.125%
HK$96,251
baseline
▲ 0.50% · 4.625%
HK$101,324
+HK$5,073/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,502/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,501
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,564
−HK$3,113/mo
Today · 4.125%
HK$104,677
baseline
▲ 0.50% · 4.625%
HK$111,047
+HK$6,370/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,354/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,581
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,520
−HK$2,981/mo
Today · 4.125%
HK$115,501
baseline
▲ 0.50% · 4.625%
HK$121,589
+HK$6,088/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$231,002/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,917
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$118,492
−HK$3,632/mo
Today · 4.125%
HK$122,124
baseline
▲ 0.50% · 4.625%
HK$129,555
+HK$7,431/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$244,248/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,844
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,273
−HK$3,478/mo
Today · 4.125%
HK$134,751
baseline
▲ 0.50% · 4.625%
HK$141,854
+HK$7,103/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$269,502/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,751
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$152,347
−HK$4,669/mo
Today · 4.125%
HK$157,016
baseline
▲ 0.50% · 4.625%
HK$166,570
+HK$9,554/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$314,032/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,371
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$168,780
−HK$4,472/mo
Today · 4.125%
HK$173,252
baseline
▲ 0.50% · 4.625%
HK$182,384
+HK$9,132/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$346,504/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,899 · Scale 2, in force from 26 Feb 2026)