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$82,076
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,629
−HK$2,594/mo
Today · 4.125%
HK$87,223
baseline
▲ 0.50% · 4.625%
HK$92,530
+HK$5,307/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,446/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,308
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,757
−HK$2,485/mo
Today · 4.125%
HK$96,242
baseline
▲ 0.50% · 4.625%
HK$101,315
+HK$5,073/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,484/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,491
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,554
−HK$3,113/mo
Today · 4.125%
HK$104,667
baseline
▲ 0.50% · 4.625%
HK$111,036
+HK$6,369/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,334/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,570
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,509
−HK$2,981/mo
Today · 4.125%
HK$115,490
baseline
▲ 0.50% · 4.625%
HK$121,577
+HK$6,087/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$230,980/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,906
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,480
−HK$3,632/mo
Today · 4.125%
HK$122,112
baseline
▲ 0.50% · 4.625%
HK$129,542
+HK$7,430/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$244,224/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,832
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,260
−HK$3,478/mo
Today · 4.125%
HK$134,738
baseline
▲ 0.50% · 4.625%
HK$141,840
+HK$7,102/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$269,476/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,736
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$152,332
−HK$4,669/mo
Today · 4.125%
HK$157,001
baseline
▲ 0.50% · 4.625%
HK$166,554
+HK$9,553/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$314,002/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,355
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$168,763
−HK$4,472/mo
Today · 4.125%
HK$173,235
baseline
▲ 0.50% · 4.625%
HK$182,366
+HK$9,131/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$346,470/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,749 · Scale 2, in force from 26 Feb 2026)