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$74,111
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,417
−HK$2,342/mo
Today · 4.125%
HK$78,759
baseline
▲ 0.50% · 4.625%
HK$83,551
+HK$4,792/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,518/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,448
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,659
−HK$2,244/mo
Today · 4.125%
HK$86,903
baseline
▲ 0.50% · 4.625%
HK$91,483
+HK$4,580/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,806/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,934
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,700
−HK$2,811/mo
Today · 4.125%
HK$94,511
baseline
▲ 0.50% · 4.625%
HK$100,261
+HK$5,750/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,022/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,938
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,591
−HK$2,692/mo
Today · 4.125%
HK$104,283
baseline
▲ 0.50% · 4.625%
HK$109,780
+HK$5,497/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,566/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,756
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,983
−HK$3,279/mo
Today · 4.125%
HK$110,262
baseline
▲ 0.50% · 4.625%
HK$116,972
+HK$6,710/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,524/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,427
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,523
−HK$3,141/mo
Today · 4.125%
HK$121,664
baseline
▲ 0.50% · 4.625%
HK$128,077
+HK$6,413/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,328/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,401
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$137,550
−HK$4,216/mo
Today · 4.125%
HK$141,766
baseline
▲ 0.50% · 4.625%
HK$150,392
+HK$8,626/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,532/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,407
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,387
−HK$4,038/mo
Today · 4.125%
HK$156,425
baseline
▲ 0.50% · 4.625%
HK$164,670
+HK$8,245/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,850/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,308 · Scale 2, in force from 26 Feb 2026)