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$74,109
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,414
−HK$2,342/mo
Today · 4.125%
HK$78,756
baseline
▲ 0.50% · 4.625%
HK$83,549
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,512/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,446
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,657
−HK$2,243/mo
Today · 4.125%
HK$86,900
baseline
▲ 0.50% · 4.625%
HK$91,481
+HK$4,581/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,800/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,931
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,697
−HK$2,811/mo
Today · 4.125%
HK$94,508
baseline
▲ 0.50% · 4.625%
HK$100,258
+HK$5,750/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,016/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,935
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,588
−HK$2,692/mo
Today · 4.125%
HK$104,280
baseline
▲ 0.50% · 4.625%
HK$109,777
+HK$5,497/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,560/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,753
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,980
−HK$3,279/mo
Today · 4.125%
HK$110,259
baseline
▲ 0.50% · 4.625%
HK$116,968
+HK$6,709/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,518/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,424
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,520
−HK$3,140/mo
Today · 4.125%
HK$121,660
baseline
▲ 0.50% · 4.625%
HK$128,073
+HK$6,413/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,320/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,397
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$137,546
−HK$4,216/mo
Today · 4.125%
HK$141,762
baseline
▲ 0.50% · 4.625%
HK$150,388
+HK$8,626/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,524/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,402
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,382
−HK$4,038/mo
Today · 4.125%
HK$156,420
baseline
▲ 0.50% · 4.625%
HK$164,665
+HK$8,245/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,840/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,266 · Scale 2, in force from 26 Feb 2026)