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$74,099
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,404
−HK$2,341/mo
Today · 4.125%
HK$78,745
baseline
▲ 0.50% · 4.625%
HK$83,537
+HK$4,792/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,490/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,434
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,645
−HK$2,243/mo
Today · 4.125%
HK$86,888
baseline
▲ 0.50% · 4.625%
HK$91,468
+HK$4,580/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,776/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,918
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,684
−HK$2,810/mo
Today · 4.125%
HK$94,494
baseline
▲ 0.50% · 4.625%
HK$100,244
+HK$5,750/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$188,988/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,921
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,574
−HK$2,691/mo
Today · 4.125%
HK$104,265
baseline
▲ 0.50% · 4.625%
HK$109,761
+HK$5,496/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,530/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,738
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,965
−HK$3,278/mo
Today · 4.125%
HK$110,243
baseline
▲ 0.50% · 4.625%
HK$116,952
+HK$6,709/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,486/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,408
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,503
−HK$3,140/mo
Today · 4.125%
HK$121,643
baseline
▲ 0.50% · 4.625%
HK$128,055
+HK$6,412/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,286/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,378
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$137,526
−HK$4,216/mo
Today · 4.125%
HK$141,742
baseline
▲ 0.50% · 4.625%
HK$150,366
+HK$8,624/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,484/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,381
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$152,361
−HK$4,037/mo
Today · 4.125%
HK$156,398
baseline
▲ 0.50% · 4.625%
HK$164,642
+HK$8,244/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,796/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,071 · Scale 2, in force from 26 Feb 2026)