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$78,665
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,112
−HK$2,486/mo
Today · 4.125%
HK$83,598
baseline
▲ 0.50% · 4.625%
HK$88,685
+HK$5,087/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,196/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,514
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,861
−HK$2,381/mo
Today · 4.125%
HK$92,242
baseline
▲ 0.50% · 4.625%
HK$97,104
+HK$4,862/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,484/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,398
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,334
−HK$2,984/mo
Today · 4.125%
HK$100,318
baseline
▲ 0.50% · 4.625%
HK$106,422
+HK$6,104/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$200,636/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,017
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,833
−HK$2,857/mo
Today · 4.125%
HK$110,690
baseline
▲ 0.50% · 4.625%
HK$116,525
+HK$5,835/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$221,380/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,131
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,557
−HK$3,480/mo
Today · 4.125%
HK$117,037
baseline
▲ 0.50% · 4.625%
HK$124,159
+HK$7,122/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$234,074/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,520
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,805
−HK$3,334/mo
Today · 4.125%
HK$129,139
baseline
▲ 0.50% · 4.625%
HK$135,946
+HK$6,807/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$258,278/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,597
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$146,001
−HK$4,475/mo
Today · 4.125%
HK$150,476
baseline
▲ 0.50% · 4.625%
HK$159,632
+HK$9,156/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$300,952/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,525
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$161,750
−HK$4,286/mo
Today · 4.125%
HK$166,036
baseline
▲ 0.50% · 4.625%
HK$174,788
+HK$8,752/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$332,072/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,178 · Scale 2, in force from 26 Feb 2026)