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$74,075
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,379
−HK$2,341/mo
Today · 4.125%
HK$78,720
baseline
▲ 0.50% · 4.625%
HK$83,510
+HK$4,790/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,440/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,408
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,618
−HK$2,242/mo
Today · 4.125%
HK$86,860
baseline
▲ 0.50% · 4.625%
HK$91,439
+HK$4,579/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,720/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,890
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,655
−HK$2,809/mo
Today · 4.125%
HK$94,464
baseline
▲ 0.50% · 4.625%
HK$100,212
+HK$5,748/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,928/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,889
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,542
−HK$2,690/mo
Today · 4.125%
HK$104,232
baseline
▲ 0.50% · 4.625%
HK$109,726
+HK$5,494/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,464/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,705
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,931
−HK$3,277/mo
Today · 4.125%
HK$110,208
baseline
▲ 0.50% · 4.625%
HK$116,914
+HK$6,706/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,416/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,371
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,465
−HK$3,139/mo
Today · 4.125%
HK$121,604
baseline
▲ 0.50% · 4.625%
HK$128,014
+HK$6,410/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,208/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,335
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$137,483
−HK$4,214/mo
Today · 4.125%
HK$141,697
baseline
▲ 0.50% · 4.625%
HK$150,318
+HK$8,621/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,394/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,334
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,312
−HK$4,036/mo
Today · 4.125%
HK$156,348
baseline
▲ 0.50% · 4.625%
HK$164,590
+HK$8,242/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,696/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,632 · Scale 2, in force from 26 Feb 2026)