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$82,087
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,640
−HK$2,594/mo
Today · 4.125%
HK$87,234
baseline
▲ 0.50% · 4.625%
HK$92,542
+HK$5,308/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,468/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,320
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,770
−HK$2,484/mo
Today · 4.125%
HK$96,254
baseline
▲ 0.50% · 4.625%
HK$101,328
+HK$5,074/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,508/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,504
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,568
−HK$3,113/mo
Today · 4.125%
HK$104,681
baseline
▲ 0.50% · 4.625%
HK$111,050
+HK$6,369/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,362/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,585
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,524
−HK$2,981/mo
Today · 4.125%
HK$115,505
baseline
▲ 0.50% · 4.625%
HK$121,593
+HK$6,088/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$231,010/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,921
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$118,496
−HK$3,632/mo
Today · 4.125%
HK$122,128
baseline
▲ 0.50% · 4.625%
HK$129,559
+HK$7,431/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$244,256/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,849
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,277
−HK$3,479/mo
Today · 4.125%
HK$134,756
baseline
▲ 0.50% · 4.625%
HK$141,859
+HK$7,103/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$269,512/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,756
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$152,352
−HK$4,669/mo
Today · 4.125%
HK$157,021
baseline
▲ 0.50% · 4.625%
HK$166,576
+HK$9,555/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$314,042/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,377
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$168,785
−HK$4,473/mo
Today · 4.125%
HK$173,258
baseline
▲ 0.50% · 4.625%
HK$182,390
+HK$9,132/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$346,516/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,950 · Scale 2, in force from 26 Feb 2026)