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$74,124
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,430
−HK$2,342/mo
Today · 4.125%
HK$78,772
baseline
▲ 0.50% · 4.625%
HK$83,565
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,544/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,462
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,674
−HK$2,243/mo
Today · 4.125%
HK$86,917
baseline
▲ 0.50% · 4.625%
HK$91,499
+HK$4,582/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,834/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,949
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,716
−HK$2,811/mo
Today · 4.125%
HK$94,527
baseline
▲ 0.50% · 4.625%
HK$100,278
+HK$5,751/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,054/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,955
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,609
−HK$2,692/mo
Today · 4.125%
HK$104,301
baseline
▲ 0.50% · 4.625%
HK$109,799
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,602/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,774
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$107,002
−HK$3,279/mo
Today · 4.125%
HK$110,281
baseline
▲ 0.50% · 4.625%
HK$116,991
+HK$6,710/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,562/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,447
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,543
−HK$3,141/mo
Today · 4.125%
HK$121,684
baseline
▲ 0.50% · 4.625%
HK$128,098
+HK$6,414/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,368/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,423
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$137,573
−HK$4,217/mo
Today · 4.125%
HK$141,790
baseline
▲ 0.50% · 4.625%
HK$150,418
+HK$8,628/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,580/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,432
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$152,413
−HK$4,038/mo
Today · 4.125%
HK$156,451
baseline
▲ 0.50% · 4.625%
HK$164,698
+HK$8,247/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,902/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,542 · Scale 2, in force from 26 Feb 2026)