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$78,661
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,108
−HK$2,486/mo
Today · 4.125%
HK$83,594
baseline
▲ 0.50% · 4.625%
HK$88,680
+HK$5,086/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,188/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,510
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,857
−HK$2,380/mo
Today · 4.125%
HK$92,237
baseline
▲ 0.50% · 4.625%
HK$97,099
+HK$4,862/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,474/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,393
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,329
−HK$2,983/mo
Today · 4.125%
HK$100,312
baseline
▲ 0.50% · 4.625%
HK$106,416
+HK$6,104/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$200,624/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,011
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,828
−HK$2,857/mo
Today · 4.125%
HK$110,685
baseline
▲ 0.50% · 4.625%
HK$116,519
+HK$5,834/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$221,370/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,125
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,551
−HK$3,480/mo
Today · 4.125%
HK$117,031
baseline
▲ 0.50% · 4.625%
HK$124,152
+HK$7,121/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$234,062/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,513
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,799
−HK$3,333/mo
Today · 4.125%
HK$129,132
baseline
▲ 0.50% · 4.625%
HK$135,939
+HK$6,807/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$258,264/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,590
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$145,994
−HK$4,475/mo
Today · 4.125%
HK$150,469
baseline
▲ 0.50% · 4.625%
HK$159,624
+HK$9,155/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$300,938/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,517
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$161,742
−HK$4,285/mo
Today · 4.125%
HK$166,027
baseline
▲ 0.50% · 4.625%
HK$174,779
+HK$8,752/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$332,054/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,104 · Scale 2, in force from 26 Feb 2026)