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$74,119
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,424
−HK$2,342/mo
Today · 4.125%
HK$78,766
baseline
▲ 0.50% · 4.625%
HK$83,559
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,532/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,456
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,668
−HK$2,243/mo
Today · 4.125%
HK$86,911
baseline
▲ 0.50% · 4.625%
HK$91,492
+HK$4,581/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,822/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,942
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,709
−HK$2,811/mo
Today · 4.125%
HK$94,520
baseline
▲ 0.50% · 4.625%
HK$100,271
+HK$5,751/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,040/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,947
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,601
−HK$2,692/mo
Today · 4.125%
HK$104,293
baseline
▲ 0.50% · 4.625%
HK$109,791
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,586/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,766
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,994
−HK$3,279/mo
Today · 4.125%
HK$110,273
baseline
▲ 0.50% · 4.625%
HK$116,983
+HK$6,710/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,546/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,439
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,535
−HK$3,140/mo
Today · 4.125%
HK$121,675
baseline
▲ 0.50% · 4.625%
HK$128,089
+HK$6,414/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,350/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,413
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$137,563
−HK$4,217/mo
Today · 4.125%
HK$141,780
baseline
▲ 0.50% · 4.625%
HK$150,407
+HK$8,627/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,560/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,421
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$152,402
−HK$4,038/mo
Today · 4.125%
HK$156,440
baseline
▲ 0.50% · 4.625%
HK$164,686
+HK$8,246/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,880/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,441 · Scale 2, in force from 26 Feb 2026)