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$85,498
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,158
−HK$2,702/mo
Today · 4.125%
HK$90,860
baseline
▲ 0.50% · 4.625%
HK$96,388
+HK$5,528/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$181,720/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,116
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,667
−HK$2,588/mo
Today · 4.125%
HK$100,255
baseline
▲ 0.50% · 4.625%
HK$105,539
+HK$5,284/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$200,510/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,598
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$105,789
−HK$3,243/mo
Today · 4.125%
HK$109,032
baseline
▲ 0.50% · 4.625%
HK$115,666
+HK$6,634/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$218,064/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,139
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,200
−HK$3,106/mo
Today · 4.125%
HK$120,306
baseline
▲ 0.50% · 4.625%
HK$126,647
+HK$6,341/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$240,612/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,698
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$123,421
−HK$3,783/mo
Today · 4.125%
HK$127,204
baseline
▲ 0.50% · 4.625%
HK$134,944
+HK$7,740/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$254,408/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,162
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,734
−HK$3,623/mo
Today · 4.125%
HK$140,357
baseline
▲ 0.50% · 4.625%
HK$147,755
+HK$7,398/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$280,714/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,897
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$158,684
−HK$4,864/mo
Today · 4.125%
HK$163,548
baseline
▲ 0.50% · 4.625%
HK$173,499
+HK$9,951/mo
Deposit HK$3.75M · loan HK$33.75M · min. income ≈ HK$327,096/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,209
−HK$9,250/mo
▼ 0.25% · 3.875%
HK$175,801
−HK$4,658/mo
Today · 4.125%
HK$180,459
baseline
▲ 0.50% · 4.625%
HK$189,971
+HK$9,512/mo
Deposit HK$3.75M · loan HK$33.75M · min. income ≈ HK$360,918/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,540 · Scale 2, in force from 26 Feb 2026)