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$77,500
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,911
−HK$2,449/mo
Today · 4.125%
HK$82,360
baseline
▲ 0.50% · 4.625%
HK$87,372
+HK$5,012/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,720/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,218
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,531
−HK$2,345/mo
Today · 4.125%
HK$90,876
baseline
▲ 0.50% · 4.625%
HK$95,667
+HK$4,791/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,752/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,000
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,893
−HK$2,939/mo
Today · 4.125%
HK$98,832
baseline
▲ 0.50% · 4.625%
HK$104,846
+HK$6,014/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$197,664/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,462
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,237
−HK$2,815/mo
Today · 4.125%
HK$109,052
baseline
▲ 0.50% · 4.625%
HK$114,800
+HK$5,748/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$218,104/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,500
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,875
−HK$3,429/mo
Today · 4.125%
HK$115,304
baseline
▲ 0.50% · 4.625%
HK$122,320
+HK$7,016/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$230,608/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,706
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,943
−HK$3,284/mo
Today · 4.125%
HK$127,227
baseline
▲ 0.50% · 4.625%
HK$133,933
+HK$6,706/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$254,454/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,501
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$143,840
−HK$4,409/mo
Today · 4.125%
HK$148,249
baseline
▲ 0.50% · 4.625%
HK$157,269
+HK$9,020/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$296,498/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,193
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$159,355
−HK$4,223/mo
Today · 4.125%
HK$163,578
baseline
▲ 0.50% · 4.625%
HK$172,200
+HK$8,622/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$327,156/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,472 · Scale 2, in force from 26 Feb 2026)