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$78,688
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,136
−HK$2,486/mo
Today · 4.125%
HK$83,622
baseline
▲ 0.50% · 4.625%
HK$88,711
+HK$5,089/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,244/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,540
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,887
−HK$2,382/mo
Today · 4.125%
HK$92,269
baseline
▲ 0.50% · 4.625%
HK$97,133
+HK$4,864/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,538/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,426
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,363
−HK$2,984/mo
Today · 4.125%
HK$100,347
baseline
▲ 0.50% · 4.625%
HK$106,453
+HK$6,106/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$200,694/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,047
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,865
−HK$2,858/mo
Today · 4.125%
HK$110,723
baseline
▲ 0.50% · 4.625%
HK$116,559
+HK$5,836/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$221,446/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,163
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,590
−HK$3,481/mo
Today · 4.125%
HK$117,071
baseline
▲ 0.50% · 4.625%
HK$124,195
+HK$7,124/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,142/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,555
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,842
−HK$3,335/mo
Today · 4.125%
HK$129,177
baseline
▲ 0.50% · 4.625%
HK$135,986
+HK$6,809/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,354/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,638
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,044
−HK$4,476/mo
Today · 4.125%
HK$150,520
baseline
▲ 0.50% · 4.625%
HK$159,679
+HK$9,159/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,040/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,571
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$161,797
−HK$4,287/mo
Today · 4.125%
HK$166,084
baseline
▲ 0.50% · 4.625%
HK$174,839
+HK$8,755/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,168/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,606 · Scale 2, in force from 26 Feb 2026)