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$74,121
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,426
−HK$2,343/mo
Today · 4.125%
HK$78,769
baseline
▲ 0.50% · 4.625%
HK$83,562
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,538/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,459
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,670
−HK$2,244/mo
Today · 4.125%
HK$86,914
baseline
▲ 0.50% · 4.625%
HK$91,495
+HK$4,581/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,828/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,945
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,712
−HK$2,811/mo
Today · 4.125%
HK$94,523
baseline
▲ 0.50% · 4.625%
HK$100,274
+HK$5,751/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,046/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,950
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,604
−HK$2,692/mo
Today · 4.125%
HK$104,296
baseline
▲ 0.50% · 4.625%
HK$109,794
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,592/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,769
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,997
−HK$3,279/mo
Today · 4.125%
HK$110,276
baseline
▲ 0.50% · 4.625%
HK$116,986
+HK$6,710/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,552/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,442
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,538
−HK$3,141/mo
Today · 4.125%
HK$121,679
baseline
▲ 0.50% · 4.625%
HK$128,093
+HK$6,414/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,358/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,417
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$137,567
−HK$4,217/mo
Today · 4.125%
HK$141,784
baseline
▲ 0.50% · 4.625%
HK$150,411
+HK$8,627/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,568/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,426
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$152,406
−HK$4,039/mo
Today · 4.125%
HK$156,445
baseline
▲ 0.50% · 4.625%
HK$164,691
+HK$8,246/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,890/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,483 · Scale 2, in force from 26 Feb 2026)