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$78,672
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,119
−HK$2,487/mo
Today · 4.125%
HK$83,606
baseline
▲ 0.50% · 4.625%
HK$88,693
+HK$5,087/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,212/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,522
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,869
−HK$2,381/mo
Today · 4.125%
HK$92,250
baseline
▲ 0.50% · 4.625%
HK$97,113
+HK$4,863/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,500/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,406
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,343
−HK$2,984/mo
Today · 4.125%
HK$100,327
baseline
▲ 0.50% · 4.625%
HK$106,431
+HK$6,104/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$200,654/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,026
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,843
−HK$2,858/mo
Today · 4.125%
HK$110,701
baseline
▲ 0.50% · 4.625%
HK$116,536
+HK$5,835/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$221,402/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,141
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,567
−HK$3,481/mo
Today · 4.125%
HK$117,048
baseline
▲ 0.50% · 4.625%
HK$124,170
+HK$7,122/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$234,096/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,531
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,817
−HK$3,334/mo
Today · 4.125%
HK$129,151
baseline
▲ 0.50% · 4.625%
HK$135,958
+HK$6,807/mo
Deposit HK$10.35M · loan HK$24.15M · min. income ≈ HK$258,302/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,610
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$146,015
−HK$4,475/mo
Today · 4.125%
HK$150,490
baseline
▲ 0.50% · 4.625%
HK$159,647
+HK$9,157/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$300,980/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,539
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$161,765
−HK$4,286/mo
Today · 4.125%
HK$166,051
baseline
▲ 0.50% · 4.625%
HK$174,804
+HK$8,753/mo
Deposit HK$3.45M · loan HK$31.05M · min. income ≈ HK$332,102/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,311 · Scale 2, in force from 26 Feb 2026)