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$74,136
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,442
−HK$2,343/mo
Today · 4.125%
HK$78,785
baseline
▲ 0.50% · 4.625%
HK$83,579
+HK$4,794/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,570/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,476
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,688
−HK$2,244/mo
Today · 4.125%
HK$86,932
baseline
▲ 0.50% · 4.625%
HK$91,514
+HK$4,582/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,864/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,963
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,731
−HK$2,811/mo
Today · 4.125%
HK$94,542
baseline
▲ 0.50% · 4.625%
HK$100,295
+HK$5,753/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$189,084/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,971
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,625
−HK$2,693/mo
Today · 4.125%
HK$104,318
baseline
▲ 0.50% · 4.625%
HK$109,817
+HK$5,499/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$208,636/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,791
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,019
−HK$3,280/mo
Today · 4.125%
HK$110,299
baseline
▲ 0.50% · 4.625%
HK$117,011
+HK$6,712/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,598/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,466
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,563
−HK$3,141/mo
Today · 4.125%
HK$121,704
baseline
▲ 0.50% · 4.625%
HK$128,119
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,408/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,445
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$137,596
−HK$4,217/mo
Today · 4.125%
HK$141,813
baseline
▲ 0.50% · 4.625%
HK$150,442
+HK$8,629/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,626/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,456
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$152,438
−HK$4,039/mo
Today · 4.125%
HK$156,477
baseline
▲ 0.50% · 4.625%
HK$164,725
+HK$8,248/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,954/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,769 · Scale 2, in force from 26 Feb 2026)