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$78,662
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,109
−HK$2,486/mo
Today · 4.125%
HK$83,595
baseline
▲ 0.50% · 4.625%
HK$88,682
+HK$5,087/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,190/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,511
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,858
−HK$2,381/mo
Today · 4.125%
HK$92,239
baseline
▲ 0.50% · 4.625%
HK$97,101
+HK$4,862/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,478/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,395
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,331
−HK$2,983/mo
Today · 4.125%
HK$100,314
baseline
▲ 0.50% · 4.625%
HK$106,418
+HK$6,104/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$200,628/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,013
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,830
−HK$2,857/mo
Today · 4.125%
HK$110,687
baseline
▲ 0.50% · 4.625%
HK$116,521
+HK$5,834/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$221,374/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,127
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,553
−HK$3,480/mo
Today · 4.125%
HK$117,033
baseline
▲ 0.50% · 4.625%
HK$124,154
+HK$7,121/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$234,066/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,516
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,801
−HK$3,334/mo
Today · 4.125%
HK$129,135
baseline
▲ 0.50% · 4.625%
HK$135,942
+HK$6,807/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$258,270/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,592
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$145,997
−HK$4,474/mo
Today · 4.125%
HK$150,471
baseline
▲ 0.50% · 4.625%
HK$159,627
+HK$9,156/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$300,942/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,520
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$161,745
−HK$4,285/mo
Today · 4.125%
HK$166,030
baseline
▲ 0.50% · 4.625%
HK$174,782
+HK$8,752/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$332,060/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,130 · Scale 2, in force from 26 Feb 2026)