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$74,128
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,434
−HK$2,343/mo
Today · 4.125%
HK$78,777
baseline
▲ 0.50% · 4.625%
HK$83,570
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,554/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,467
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,679
−HK$2,243/mo
Today · 4.125%
HK$86,922
baseline
▲ 0.50% · 4.625%
HK$91,504
+HK$4,582/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,844/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,954
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,721
−HK$2,811/mo
Today · 4.125%
HK$94,532
baseline
▲ 0.50% · 4.625%
HK$100,284
+HK$5,752/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$189,064/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,960
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,614
−HK$2,693/mo
Today · 4.125%
HK$104,307
baseline
▲ 0.50% · 4.625%
HK$109,805
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$208,614/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,780
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$107,008
−HK$3,279/mo
Today · 4.125%
HK$110,287
baseline
▲ 0.50% · 4.625%
HK$116,998
+HK$6,711/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,574/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,454
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,550
−HK$3,141/mo
Today · 4.125%
HK$121,691
baseline
▲ 0.50% · 4.625%
HK$128,106
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,382/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,431
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$137,581
−HK$4,217/mo
Today · 4.125%
HK$141,798
baseline
▲ 0.50% · 4.625%
HK$150,426
+HK$8,628/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,596/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,440
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$152,422
−HK$4,038/mo
Today · 4.125%
HK$156,460
baseline
▲ 0.50% · 4.625%
HK$164,707
+HK$8,247/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,920/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,621 · Scale 2, in force from 26 Feb 2026)