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$78,670
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,117
−HK$2,486/mo
Today · 4.125%
HK$83,603
baseline
▲ 0.50% · 4.625%
HK$88,690
+HK$5,087/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,206/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,519
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,866
−HK$2,382/mo
Today · 4.125%
HK$92,248
baseline
▲ 0.50% · 4.625%
HK$97,110
+HK$4,862/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,496/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,404
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,340
−HK$2,984/mo
Today · 4.125%
HK$100,324
baseline
▲ 0.50% · 4.625%
HK$106,428
+HK$6,104/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$200,648/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,023
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,840
−HK$2,857/mo
Today · 4.125%
HK$110,697
baseline
▲ 0.50% · 4.625%
HK$116,532
+HK$5,835/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$221,394/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,138
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,563
−HK$3,481/mo
Today · 4.125%
HK$117,044
baseline
▲ 0.50% · 4.625%
HK$124,166
+HK$7,122/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$234,088/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,527
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,813
−HK$3,334/mo
Today · 4.125%
HK$129,147
baseline
▲ 0.50% · 4.625%
HK$135,954
+HK$6,807/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$258,294/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,605
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$146,010
−HK$4,475/mo
Today · 4.125%
HK$150,485
baseline
▲ 0.50% · 4.625%
HK$159,642
+HK$9,157/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$300,970/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,535
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$161,760
−HK$4,286/mo
Today · 4.125%
HK$166,046
baseline
▲ 0.50% · 4.625%
HK$174,798
+HK$8,752/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$332,092/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,266 · Scale 2, in force from 26 Feb 2026)