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$78,685
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,133
−HK$2,487/mo
Today · 4.125%
HK$83,620
baseline
▲ 0.50% · 4.625%
HK$88,708
+HK$5,088/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$167,240/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,537
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,885
−HK$2,381/mo
Today · 4.125%
HK$92,266
baseline
▲ 0.50% · 4.625%
HK$97,130
+HK$4,864/mo
Deposit HK$17.25M · loan HK$17.25M · min. income ≈ HK$184,532/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,423
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,360
−HK$2,984/mo
Today · 4.125%
HK$100,344
baseline
▲ 0.50% · 4.625%
HK$106,449
+HK$6,105/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$200,688/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,044
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,861
−HK$2,858/mo
Today · 4.125%
HK$110,719
baseline
▲ 0.50% · 4.625%
HK$116,556
+HK$5,837/mo
Deposit HK$13.80M · loan HK$20.70M · min. income ≈ HK$221,438/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,160
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,586
−HK$3,482/mo
Today · 4.125%
HK$117,068
baseline
▲ 0.50% · 4.625%
HK$124,191
+HK$7,123/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,136/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,552
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,838
−HK$3,335/mo
Today · 4.125%
HK$129,173
baseline
▲ 0.50% · 4.625%
HK$135,981
+HK$6,808/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,346/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,634
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,039
−HK$4,477/mo
Today · 4.125%
HK$150,516
baseline
▲ 0.50% · 4.625%
HK$159,674
+HK$9,158/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,032/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,566
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$161,792
−HK$4,287/mo
Today · 4.125%
HK$166,079
baseline
▲ 0.50% · 4.625%
HK$174,833
+HK$8,754/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,158/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,561 · Scale 2, in force from 26 Feb 2026)