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$4,649/mo
▼ 0.25% · 3.875%
HK$76,437
−HK$2,343/mo
Today · 4.125%
HK$78,780
baseline
▲ 0.50% · 4.625%
HK$83,574
+HK$4,794/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,560/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,470
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,682
−HK$2,244/mo
Today · 4.125%
HK$86,926
baseline
▲ 0.50% · 4.625%
HK$91,508
+HK$4,582/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,852/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,958
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,725
−HK$2,811/mo
Today · 4.125%
HK$94,536
baseline
▲ 0.50% · 4.625%
HK$100,288
+HK$5,752/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$189,072/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,964
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,619
−HK$2,692/mo
Today · 4.125%
HK$104,311
baseline
▲ 0.50% · 4.625%
HK$109,809
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$208,622/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,784
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,012
−HK$3,280/mo
Today · 4.125%
HK$110,292
baseline
▲ 0.50% · 4.625%
HK$117,003
+HK$6,711/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,584/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,458
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,555
−HK$3,141/mo
Today · 4.125%
HK$121,696
baseline
▲ 0.50% · 4.625%
HK$128,111
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,392/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,436
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$137,587
−HK$4,217/mo
Today · 4.125%
HK$141,804
baseline
▲ 0.50% · 4.625%
HK$150,432
+HK$8,628/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,608/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,447
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$152,428
−HK$4,039/mo
Today · 4.125%
HK$156,467
baseline
▲ 0.50% · 4.625%
HK$164,714
+HK$8,247/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,934/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,678 · Scale 2, in force from 26 Feb 2026)