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$85,506
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,165
−HK$2,702/mo
Today · 4.125%
HK$90,867
baseline
▲ 0.50% · 4.625%
HK$96,397
+HK$5,530/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$181,734/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,124
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,675
−HK$2,588/mo
Today · 4.125%
HK$100,263
baseline
▲ 0.50% · 4.625%
HK$105,548
+HK$5,285/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$200,526/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,607
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$105,798
−HK$3,243/mo
Today · 4.125%
HK$109,041
baseline
▲ 0.50% · 4.625%
HK$115,676
+HK$6,635/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$218,082/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,149
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,210
−HK$3,106/mo
Today · 4.125%
HK$120,316
baseline
▲ 0.50% · 4.625%
HK$126,658
+HK$6,342/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$240,632/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,708
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$123,431
−HK$3,783/mo
Today · 4.125%
HK$127,214
baseline
▲ 0.50% · 4.625%
HK$134,955
+HK$7,741/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$254,428/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,174
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,745
−HK$3,624/mo
Today · 4.125%
HK$140,369
baseline
▲ 0.50% · 4.625%
HK$147,768
+HK$7,399/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$280,738/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,910
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$158,697
−HK$4,864/mo
Today · 4.125%
HK$163,561
baseline
▲ 0.50% · 4.625%
HK$173,514
+HK$9,953/mo
Deposit HK$3.75M · loan HK$33.75M · min. income ≈ HK$327,122/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,223
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$175,815
−HK$4,659/mo
Today · 4.125%
HK$180,474
baseline
▲ 0.50% · 4.625%
HK$189,987
+HK$9,513/mo
Deposit HK$3.75M · loan HK$33.75M · min. income ≈ HK$360,948/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,593,674 · Scale 2, in force from 26 Feb 2026)