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$84,356
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,980
−HK$2,665/mo
Today · 4.125%
HK$89,645
baseline
▲ 0.50% · 4.625%
HK$95,100
+HK$5,455/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,290/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,845
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,362
−HK$2,553/mo
Today · 4.125%
HK$98,915
baseline
▲ 0.50% · 4.625%
HK$104,129
+HK$5,214/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,830/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,227
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,375
−HK$3,200/mo
Today · 4.125%
HK$107,575
baseline
▲ 0.50% · 4.625%
HK$114,120
+HK$6,545/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$215,150/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,614
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,634
−HK$3,064/mo
Today · 4.125%
HK$118,698
baseline
▲ 0.50% · 4.625%
HK$124,955
+HK$6,257/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$237,396/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,098
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,771
−HK$3,733/mo
Today · 4.125%
HK$125,504
baseline
▲ 0.50% · 4.625%
HK$133,140
+HK$7,636/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$251,008/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,383
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,906
−HK$3,575/mo
Today · 4.125%
HK$138,481
baseline
▲ 0.50% · 4.625%
HK$145,780
+HK$7,299/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$276,962/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,840
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$156,563
−HK$4,799/mo
Today · 4.125%
HK$161,362
baseline
▲ 0.50% · 4.625%
HK$171,180
+HK$9,818/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$322,724/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,921
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$173,451
−HK$4,596/mo
Today · 4.125%
HK$178,047
baseline
▲ 0.50% · 4.625%
HK$187,432
+HK$9,385/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$356,094/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,242 · Scale 2, in force from 26 Feb 2026)