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$82,071
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,624
−HK$2,594/mo
Today · 4.125%
HK$87,218
baseline
▲ 0.50% · 4.625%
HK$92,525
+HK$5,307/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,436/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,303
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,752
−HK$2,484/mo
Today · 4.125%
HK$96,236
baseline
▲ 0.50% · 4.625%
HK$101,309
+HK$5,073/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,472/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,485
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,549
−HK$3,112/mo
Today · 4.125%
HK$104,661
baseline
▲ 0.50% · 4.625%
HK$111,030
+HK$6,369/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,322/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,564
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,502
−HK$2,981/mo
Today · 4.125%
HK$115,483
baseline
▲ 0.50% · 4.625%
HK$121,571
+HK$6,088/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$230,966/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,900
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,474
−HK$3,631/mo
Today · 4.125%
HK$122,105
baseline
▲ 0.50% · 4.625%
HK$129,535
+HK$7,430/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$244,210/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,825
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,253
−HK$3,478/mo
Today · 4.125%
HK$134,731
baseline
▲ 0.50% · 4.625%
HK$141,832
+HK$7,101/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$269,462/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,728
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,323
−HK$4,669/mo
Today · 4.125%
HK$156,992
baseline
▲ 0.50% · 4.625%
HK$166,544
+HK$9,552/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$313,984/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,346
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,754
−HK$4,471/mo
Today · 4.125%
HK$173,225
baseline
▲ 0.50% · 4.625%
HK$182,356
+HK$9,131/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$346,450/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,663 · Scale 2, in force from 26 Feb 2026)