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$102,621
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,813
−HK$3,243/mo
Today · 4.125%
HK$109,056
baseline
▲ 0.50% · 4.625%
HK$115,692
+HK$6,636/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$218,112/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,165
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,227
−HK$3,106/mo
Today · 4.125%
HK$120,333
baseline
▲ 0.50% · 4.625%
HK$126,676
+HK$6,343/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$240,666/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,145
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,976
−HK$3,892/mo
Today · 4.125%
HK$130,868
baseline
▲ 0.50% · 4.625%
HK$138,831
+HK$7,963/mo
Deposit HK$18.00M · loan HK$27.00M · min. income ≈ HK$261,736/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,998
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,672
−HK$3,728/mo
Today · 4.125%
HK$144,400
baseline
▲ 0.50% · 4.625%
HK$152,011
+HK$7,611/mo
Deposit HK$18.00M · loan HK$27.00M · min. income ≈ HK$288,800/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,670
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$148,139
−HK$4,540/mo
Today · 4.125%
HK$152,679
baseline
▲ 0.50% · 4.625%
HK$161,969
+HK$9,290/mo
Deposit HK$13.50M · loan HK$31.50M · min. income ≈ HK$305,358/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,831
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$164,118
−HK$4,348/mo
Today · 4.125%
HK$168,466
baseline
▲ 0.50% · 4.625%
HK$177,346
+HK$8,880/mo
Deposit HK$13.50M · loan HK$31.50M · min. income ≈ HK$336,932/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,718
−HK$11,584/mo
▼ 0.25% · 3.875%
HK$190,464
−HK$5,838/mo
Today · 4.125%
HK$196,302
baseline
▲ 0.50% · 4.625%
HK$208,246
+HK$11,944/mo
Deposit HK$4.50M · loan HK$40.50M · min. income ≈ HK$392,604/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,497
−HK$11,102/mo
▼ 0.25% · 3.875%
HK$211,008
−HK$5,591/mo
Today · 4.125%
HK$216,599
baseline
▲ 0.50% · 4.625%
HK$228,017
+HK$11,418/mo
Deposit HK$4.50M · loan HK$40.50M · min. income ≈ HK$433,198/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,680 · Scale 2, in force from 26 Feb 2026)