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$82,101
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,655
−HK$2,594/mo
Today · 4.125%
HK$87,249
baseline
▲ 0.50% · 4.625%
HK$92,558
+HK$5,309/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,498/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,336
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,786
−HK$2,485/mo
Today · 4.125%
HK$96,271
baseline
▲ 0.50% · 4.625%
HK$101,346
+HK$5,075/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,542/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,521
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,586
−HK$3,113/mo
Today · 4.125%
HK$104,699
baseline
▲ 0.50% · 4.625%
HK$111,070
+HK$6,371/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,398/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,604
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,543
−HK$2,982/mo
Today · 4.125%
HK$115,525
baseline
▲ 0.50% · 4.625%
HK$121,615
+HK$6,090/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$231,050/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,941
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,516
−HK$3,633/mo
Today · 4.125%
HK$122,149
baseline
▲ 0.50% · 4.625%
HK$129,581
+HK$7,432/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$244,298/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,871
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$131,300
−HK$3,479/mo
Today · 4.125%
HK$134,779
baseline
▲ 0.50% · 4.625%
HK$141,884
+HK$7,105/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$269,558/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,781
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$152,378
−HK$4,671/mo
Today · 4.125%
HK$157,049
baseline
▲ 0.50% · 4.625%
HK$166,605
+HK$9,556/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$314,098/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,405
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$168,815
−HK$4,473/mo
Today · 4.125%
HK$173,288
baseline
▲ 0.50% · 4.625%
HK$182,422
+HK$9,134/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$346,576/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,216 · Scale 2, in force from 26 Feb 2026)