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$85,485
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,145
−HK$2,701/mo
Today · 4.125%
HK$90,846
baseline
▲ 0.50% · 4.625%
HK$96,374
+HK$5,528/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$181,692/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,102
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,652
−HK$2,588/mo
Today · 4.125%
HK$100,240
baseline
▲ 0.50% · 4.625%
HK$105,524
+HK$5,284/mo
Deposit HK$18.74M · loan HK$18.74M · min. income ≈ HK$200,480/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,583
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,773
−HK$3,242/mo
Today · 4.125%
HK$109,015
baseline
▲ 0.50% · 4.625%
HK$115,649
+HK$6,634/mo
Deposit HK$15.00M · loan HK$22.49M · min. income ≈ HK$218,030/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,122
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,183
−HK$3,105/mo
Today · 4.125%
HK$120,288
baseline
▲ 0.50% · 4.625%
HK$126,628
+HK$6,340/mo
Deposit HK$15.00M · loan HK$22.49M · min. income ≈ HK$240,576/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,680
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$123,402
−HK$3,783/mo
Today · 4.125%
HK$127,185
baseline
▲ 0.50% · 4.625%
HK$134,924
+HK$7,739/mo
Deposit HK$11.25M · loan HK$26.24M · min. income ≈ HK$254,370/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,142
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$136,713
−HK$3,623/mo
Today · 4.125%
HK$140,336
baseline
▲ 0.50% · 4.625%
HK$147,733
+HK$7,397/mo
Deposit HK$11.25M · loan HK$26.24M · min. income ≈ HK$280,672/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,874
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$158,660
−HK$4,863/mo
Today · 4.125%
HK$163,523
baseline
▲ 0.50% · 4.625%
HK$173,473
+HK$9,950/mo
Deposit HK$3.75M · loan HK$33.74M · min. income ≈ HK$327,046/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,183
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$175,774
−HK$4,658/mo
Today · 4.125%
HK$180,432
baseline
▲ 0.50% · 4.625%
HK$189,942
+HK$9,510/mo
Deposit HK$3.75M · loan HK$33.74M · min. income ≈ HK$360,864/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,301 · Scale 2, in force from 26 Feb 2026)