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$74,100
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,405
−HK$2,342/mo
Today · 4.125%
HK$78,747
baseline
▲ 0.50% · 4.625%
HK$83,538
+HK$4,791/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,494/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,435
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,646
−HK$2,243/mo
Today · 4.125%
HK$86,889
baseline
▲ 0.50% · 4.625%
HK$91,469
+HK$4,580/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,778/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,920
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,686
−HK$2,810/mo
Today · 4.125%
HK$94,496
baseline
▲ 0.50% · 4.625%
HK$100,246
+HK$5,750/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$188,992/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,922
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,575
−HK$2,692/mo
Today · 4.125%
HK$104,267
baseline
▲ 0.50% · 4.625%
HK$109,763
+HK$5,496/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,534/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,740
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,967
−HK$3,278/mo
Today · 4.125%
HK$110,245
baseline
▲ 0.50% · 4.625%
HK$116,953
+HK$6,708/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,490/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,409
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,505
−HK$3,140/mo
Today · 4.125%
HK$121,645
baseline
▲ 0.50% · 4.625%
HK$128,057
+HK$6,412/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,290/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,380
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$137,529
−HK$4,215/mo
Today · 4.125%
HK$141,744
baseline
▲ 0.50% · 4.625%
HK$150,369
+HK$8,625/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,488/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,384
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,363
−HK$4,037/mo
Today · 4.125%
HK$156,400
baseline
▲ 0.50% · 4.625%
HK$164,644
+HK$8,244/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,800/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,093 · Scale 2, in force from 26 Feb 2026)