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$74,132
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,438
−HK$2,343/mo
Today · 4.125%
HK$78,781
baseline
▲ 0.50% · 4.625%
HK$83,575
+HK$4,794/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,562/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,471
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,683
−HK$2,244/mo
Today · 4.125%
HK$86,927
baseline
▲ 0.50% · 4.625%
HK$91,509
+HK$4,582/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,854/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,959
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,726
−HK$2,811/mo
Today · 4.125%
HK$94,537
baseline
▲ 0.50% · 4.625%
HK$100,290
+HK$5,753/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$189,074/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,966
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,620
−HK$2,693/mo
Today · 4.125%
HK$104,313
baseline
▲ 0.50% · 4.625%
HK$109,811
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$208,626/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,785
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,014
−HK$3,279/mo
Today · 4.125%
HK$110,293
baseline
▲ 0.50% · 4.625%
HK$117,005
+HK$6,712/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,586/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,460
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,557
−HK$3,141/mo
Today · 4.125%
HK$121,698
baseline
▲ 0.50% · 4.625%
HK$128,113
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,396/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,438
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$137,589
−HK$4,217/mo
Today · 4.125%
HK$141,806
baseline
▲ 0.50% · 4.625%
HK$150,434
+HK$8,628/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,612/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,449
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$152,430
−HK$4,039/mo
Today · 4.125%
HK$156,469
baseline
▲ 0.50% · 4.625%
HK$164,716
+HK$8,247/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,938/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,697 · Scale 2, in force from 26 Feb 2026)