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$74,114
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,419
−HK$2,342/mo
Today · 4.125%
HK$78,761
baseline
▲ 0.50% · 4.625%
HK$83,554
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,522/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,451
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,662
−HK$2,244/mo
Today · 4.125%
HK$86,906
baseline
▲ 0.50% · 4.625%
HK$91,486
+HK$4,580/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,812/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,937
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,703
−HK$2,811/mo
Today · 4.125%
HK$94,514
baseline
▲ 0.50% · 4.625%
HK$100,265
+HK$5,751/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,028/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,941
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,595
−HK$2,692/mo
Today · 4.125%
HK$104,287
baseline
▲ 0.50% · 4.625%
HK$109,784
+HK$5,497/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,574/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,759
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,987
−HK$3,279/mo
Today · 4.125%
HK$110,266
baseline
▲ 0.50% · 4.625%
HK$116,975
+HK$6,709/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,532/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,431
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,527
−HK$3,141/mo
Today · 4.125%
HK$121,668
baseline
▲ 0.50% · 4.625%
HK$128,081
+HK$6,413/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,336/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,405
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$137,555
−HK$4,216/mo
Today · 4.125%
HK$141,771
baseline
▲ 0.50% · 4.625%
HK$150,397
+HK$8,626/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,542/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,412
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,392
−HK$4,038/mo
Today · 4.125%
HK$156,430
baseline
▲ 0.50% · 4.625%
HK$164,676
+HK$8,246/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,860/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,354 · Scale 2, in force from 26 Feb 2026)