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$74,125
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,431
−HK$2,343/mo
Today · 4.125%
HK$78,774
baseline
▲ 0.50% · 4.625%
HK$83,567
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,548/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,464
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,675
−HK$2,244/mo
Today · 4.125%
HK$86,919
baseline
▲ 0.50% · 4.625%
HK$91,501
+HK$4,582/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,838/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,950
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,717
−HK$2,811/mo
Today · 4.125%
HK$94,528
baseline
▲ 0.50% · 4.625%
HK$100,280
+HK$5,752/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,056/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,957
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,610
−HK$2,693/mo
Today · 4.125%
HK$104,303
baseline
▲ 0.50% · 4.625%
HK$109,801
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,606/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,776
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$107,004
−HK$3,279/mo
Today · 4.125%
HK$110,283
baseline
▲ 0.50% · 4.625%
HK$116,994
+HK$6,711/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,566/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,449
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,546
−HK$3,141/mo
Today · 4.125%
HK$121,687
baseline
▲ 0.50% · 4.625%
HK$128,101
+HK$6,414/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,374/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,426
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$137,576
−HK$4,217/mo
Today · 4.125%
HK$141,793
baseline
▲ 0.50% · 4.625%
HK$150,420
+HK$8,627/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,586/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,435
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$152,416
−HK$4,038/mo
Today · 4.125%
HK$156,454
baseline
▲ 0.50% · 4.625%
HK$164,701
+HK$8,247/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,908/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,569 · Scale 2, in force from 26 Feb 2026)