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$82,068
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,621
−HK$2,593/mo
Today · 4.125%
HK$87,214
baseline
▲ 0.50% · 4.625%
HK$92,521
+HK$5,307/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,428/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,300
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,748
−HK$2,484/mo
Today · 4.125%
HK$96,232
baseline
▲ 0.50% · 4.625%
HK$101,305
+HK$5,073/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,464/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,481
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,545
−HK$3,112/mo
Today · 4.125%
HK$104,657
baseline
▲ 0.50% · 4.625%
HK$111,025
+HK$6,368/mo
Deposit HK$14.40M · loan HK$21.59M · min. income ≈ HK$209,314/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,560
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,498
−HK$2,981/mo
Today · 4.125%
HK$115,479
baseline
▲ 0.50% · 4.625%
HK$121,566
+HK$6,087/mo
Deposit HK$14.40M · loan HK$21.59M · min. income ≈ HK$230,958/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,895
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,469
−HK$3,631/mo
Today · 4.125%
HK$122,100
baseline
▲ 0.50% · 4.625%
HK$129,530
+HK$7,430/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$244,200/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,820
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,248
−HK$3,477/mo
Today · 4.125%
HK$134,725
baseline
▲ 0.50% · 4.625%
HK$141,827
+HK$7,102/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$269,450/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,722
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,317
−HK$4,669/mo
Today · 4.125%
HK$156,986
baseline
▲ 0.50% · 4.625%
HK$166,538
+HK$9,552/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$313,972/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,340
−HK$8,878/mo
▼ 0.25% · 3.875%
HK$168,747
−HK$4,471/mo
Today · 4.125%
HK$173,218
baseline
▲ 0.50% · 4.625%
HK$182,349
+HK$9,131/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$346,436/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,603 · Scale 2, in force from 26 Feb 2026)