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$85,535
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,195
−HK$2,703/mo
Today · 4.125%
HK$90,898
baseline
▲ 0.50% · 4.625%
HK$96,429
+HK$5,531/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,796/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,156
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,709
−HK$2,589/mo
Today · 4.125%
HK$100,298
baseline
▲ 0.50% · 4.625%
HK$105,584
+HK$5,286/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,596/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,642
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,834
−HK$3,244/mo
Today · 4.125%
HK$109,078
baseline
▲ 0.50% · 4.625%
HK$115,715
+HK$6,637/mo
Deposit HK$15.00M · loan HK$22.51M · min. income ≈ HK$218,156/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,188
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,250
−HK$3,107/mo
Today · 4.125%
HK$120,357
baseline
▲ 0.50% · 4.625%
HK$126,701
+HK$6,344/mo
Deposit HK$15.00M · loan HK$22.51M · min. income ≈ HK$240,714/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,749
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,473
−HK$3,785/mo
Today · 4.125%
HK$127,258
baseline
▲ 0.50% · 4.625%
HK$135,001
+HK$7,743/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$254,516/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,219
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$136,792
−HK$3,625/mo
Today · 4.125%
HK$140,417
baseline
▲ 0.50% · 4.625%
HK$147,818
+HK$7,401/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$280,834/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,962
−HK$9,655/mo
▼ 0.25% · 3.875%
HK$158,752
−HK$4,865/mo
Today · 4.125%
HK$163,617
baseline
▲ 0.50% · 4.625%
HK$173,573
+HK$9,956/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$327,234/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,282
−HK$9,254/mo
▼ 0.25% · 3.875%
HK$175,875
−HK$4,661/mo
Today · 4.125%
HK$180,536
baseline
▲ 0.50% · 4.625%
HK$190,052
+HK$9,516/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$361,072/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,218 · Scale 2, in force from 26 Feb 2026)