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$74,141
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,448
−HK$2,343/mo
Today · 4.125%
HK$78,791
baseline
▲ 0.50% · 4.625%
HK$83,585
+HK$4,794/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,582/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,481
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,694
−HK$2,244/mo
Today · 4.125%
HK$86,938
baseline
▲ 0.50% · 4.625%
HK$91,520
+HK$4,582/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,876/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,970
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,737
−HK$2,812/mo
Today · 4.125%
HK$94,549
baseline
▲ 0.50% · 4.625%
HK$100,302
+HK$5,753/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,098/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,978
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,632
−HK$2,693/mo
Today · 4.125%
HK$104,325
baseline
▲ 0.50% · 4.625%
HK$109,824
+HK$5,499/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,650/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,798
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,027
−HK$3,280/mo
Today · 4.125%
HK$110,307
baseline
▲ 0.50% · 4.625%
HK$117,019
+HK$6,712/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,614/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,474
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,571
−HK$3,142/mo
Today · 4.125%
HK$121,713
baseline
▲ 0.50% · 4.625%
HK$128,128
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,426/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,454
−HK$8,369/mo
▼ 0.25% · 3.875%
HK$137,606
−HK$4,217/mo
Today · 4.125%
HK$141,823
baseline
▲ 0.50% · 4.625%
HK$150,453
+HK$8,630/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,646/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,467
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$152,448
−HK$4,040/mo
Today · 4.125%
HK$156,488
baseline
▲ 0.50% · 4.625%
HK$164,737
+HK$8,249/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,976/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,865 · Scale 2, in force from 26 Feb 2026)