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$84,385
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,009
−HK$2,667/mo
Today · 4.125%
HK$89,676
baseline
▲ 0.50% · 4.625%
HK$95,133
+HK$5,457/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,352/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,877
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,395
−HK$2,554/mo
Today · 4.125%
HK$98,949
baseline
▲ 0.50% · 4.625%
HK$104,165
+HK$5,216/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,898/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,262
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,411
−HK$3,201/mo
Today · 4.125%
HK$107,612
baseline
▲ 0.50% · 4.625%
HK$114,159
+HK$6,547/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$215,224/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,652
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,674
−HK$3,065/mo
Today · 4.125%
HK$118,739
baseline
▲ 0.50% · 4.625%
HK$124,998
+HK$6,259/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$237,478/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,139
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,813
−HK$3,734/mo
Today · 4.125%
HK$125,547
baseline
▲ 0.50% · 4.625%
HK$133,186
+HK$7,639/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$251,094/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,428
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,953
−HK$3,576/mo
Today · 4.125%
HK$138,529
baseline
▲ 0.50% · 4.625%
HK$145,831
+HK$7,302/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$277,058/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,892
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$156,617
−HK$4,800/mo
Today · 4.125%
HK$161,417
baseline
▲ 0.50% · 4.625%
HK$171,239
+HK$9,822/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$322,834/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,979
−HK$9,129/mo
▼ 0.25% · 3.875%
HK$173,511
−HK$4,597/mo
Today · 4.125%
HK$178,108
baseline
▲ 0.50% · 4.625%
HK$187,496
+HK$9,388/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$356,216/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,783 · Scale 2, in force from 26 Feb 2026)