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$74,131
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,437
−HK$2,342/mo
Today · 4.125%
HK$78,779
baseline
▲ 0.50% · 4.625%
HK$83,573
+HK$4,794/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,558/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,470
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,682
−HK$2,243/mo
Today · 4.125%
HK$86,925
baseline
▲ 0.50% · 4.625%
HK$91,507
+HK$4,582/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,850/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,957
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,724
−HK$2,811/mo
Today · 4.125%
HK$94,535
baseline
▲ 0.50% · 4.625%
HK$100,288
+HK$5,753/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$189,070/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,964
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,618
−HK$2,692/mo
Today · 4.125%
HK$104,310
baseline
▲ 0.50% · 4.625%
HK$109,809
+HK$5,499/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$208,620/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,783
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,011
−HK$3,280/mo
Today · 4.125%
HK$110,291
baseline
▲ 0.50% · 4.625%
HK$117,002
+HK$6,711/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,582/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,458
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,554
−HK$3,141/mo
Today · 4.125%
HK$121,695
baseline
▲ 0.50% · 4.625%
HK$128,110
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,390/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,435
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$137,586
−HK$4,217/mo
Today · 4.125%
HK$141,803
baseline
▲ 0.50% · 4.625%
HK$150,431
+HK$8,628/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,606/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,445
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$152,427
−HK$4,039/mo
Today · 4.125%
HK$156,466
baseline
▲ 0.50% · 4.625%
HK$164,713
+HK$8,247/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,932/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,668 · Scale 2, in force from 26 Feb 2026)