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$84,391
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,016
−HK$2,667/mo
Today · 4.125%
HK$89,683
baseline
▲ 0.50% · 4.625%
HK$95,140
+HK$5,457/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,366/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,884
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,402
−HK$2,554/mo
Today · 4.125%
HK$98,956
baseline
▲ 0.50% · 4.625%
HK$104,172
+HK$5,216/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,912/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,269
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,419
−HK$3,201/mo
Today · 4.125%
HK$107,620
baseline
▲ 0.50% · 4.625%
HK$114,168
+HK$6,548/mo
Deposit HK$14.80M · loan HK$22.21M · min. income ≈ HK$215,240/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,661
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,682
−HK$3,066/mo
Today · 4.125%
HK$118,748
baseline
▲ 0.50% · 4.625%
HK$125,007
+HK$6,259/mo
Deposit HK$14.80M · loan HK$22.21M · min. income ≈ HK$237,496/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,147
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$121,822
−HK$3,734/mo
Today · 4.125%
HK$125,556
baseline
▲ 0.50% · 4.625%
HK$133,196
+HK$7,640/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$251,112/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,438
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,963
−HK$3,576/mo
Today · 4.125%
HK$138,539
baseline
▲ 0.50% · 4.625%
HK$145,841
+HK$7,302/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$277,078/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,904
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$156,629
−HK$4,800/mo
Today · 4.125%
HK$161,429
baseline
▲ 0.50% · 4.625%
HK$171,252
+HK$9,823/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$322,858/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,991
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,523
−HK$4,598/mo
Today · 4.125%
HK$178,121
baseline
▲ 0.50% · 4.625%
HK$187,510
+HK$9,389/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$356,242/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,899 · Scale 2, in force from 26 Feb 2026)