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$85,495
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,155
−HK$2,702/mo
Today · 4.125%
HK$90,857
baseline
▲ 0.50% · 4.625%
HK$96,385
+HK$5,528/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$181,714/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,113
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,664
−HK$2,587/mo
Today · 4.125%
HK$100,251
baseline
▲ 0.50% · 4.625%
HK$105,536
+HK$5,285/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$200,502/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,594
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$105,786
−HK$3,242/mo
Today · 4.125%
HK$109,028
baseline
▲ 0.50% · 4.625%
HK$115,662
+HK$6,634/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$218,056/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,135
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,196
−HK$3,106/mo
Today · 4.125%
HK$120,302
baseline
▲ 0.50% · 4.625%
HK$126,643
+HK$6,341/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$240,604/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,693
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$123,417
−HK$3,782/mo
Today · 4.125%
HK$127,199
baseline
▲ 0.50% · 4.625%
HK$134,939
+HK$7,740/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$254,398/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,158
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$136,729
−HK$3,623/mo
Today · 4.125%
HK$140,352
baseline
▲ 0.50% · 4.625%
HK$147,750
+HK$7,398/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$280,704/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,892
−HK$9,650/mo
▼ 0.25% · 3.875%
HK$158,678
−HK$4,864/mo
Today · 4.125%
HK$163,542
baseline
▲ 0.50% · 4.625%
HK$173,493
+HK$9,951/mo
Deposit HK$3.75M · loan HK$33.74M · min. income ≈ HK$327,084/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,203
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$175,794
−HK$4,658/mo
Today · 4.125%
HK$180,452
baseline
▲ 0.50% · 4.625%
HK$189,964
+HK$9,512/mo
Deposit HK$3.75M · loan HK$33.74M · min. income ≈ HK$360,904/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,484 · Scale 2, in force from 26 Feb 2026)