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$85,524
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,184
−HK$2,703/mo
Today · 4.125%
HK$90,887
baseline
▲ 0.50% · 4.625%
HK$96,417
+HK$5,530/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$181,774/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,145
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,696
−HK$2,589/mo
Today · 4.125%
HK$100,285
baseline
▲ 0.50% · 4.625%
HK$105,571
+HK$5,286/mo
Deposit HK$18.75M · loan HK$18.75M · min. income ≈ HK$200,570/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,629
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,821
−HK$3,243/mo
Today · 4.125%
HK$109,064
baseline
▲ 0.50% · 4.625%
HK$115,701
+HK$6,637/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$218,128/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,173
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,236
−HK$3,106/mo
Today · 4.125%
HK$120,342
baseline
▲ 0.50% · 4.625%
HK$126,685
+HK$6,343/mo
Deposit HK$15.00M · loan HK$22.50M · min. income ≈ HK$240,684/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,734
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$123,458
−HK$3,784/mo
Today · 4.125%
HK$127,242
baseline
▲ 0.50% · 4.625%
HK$134,984
+HK$7,742/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$254,484/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,202
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,775
−HK$3,624/mo
Today · 4.125%
HK$140,399
baseline
▲ 0.50% · 4.625%
HK$147,800
+HK$7,401/mo
Deposit HK$11.25M · loan HK$26.25M · min. income ≈ HK$280,798/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,943
−HK$9,654/mo
▼ 0.25% · 3.875%
HK$158,732
−HK$4,865/mo
Today · 4.125%
HK$163,597
baseline
▲ 0.50% · 4.625%
HK$173,551
+HK$9,954/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$327,194/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,260
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$175,853
−HK$4,660/mo
Today · 4.125%
HK$180,513
baseline
▲ 0.50% · 4.625%
HK$190,028
+HK$9,515/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$361,026/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,594,018 · Scale 2, in force from 26 Feb 2026)