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$79,839
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,322
−HK$2,523/mo
Today · 4.125%
HK$84,845
baseline
▲ 0.50% · 4.625%
HK$90,008
+HK$5,163/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,690/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,820
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,202
−HK$2,416/mo
Today · 4.125%
HK$93,618
baseline
▲ 0.50% · 4.625%
HK$98,553
+HK$4,935/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,236/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,807
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,787
−HK$3,027/mo
Today · 4.125%
HK$101,814
baseline
▲ 0.50% · 4.625%
HK$108,010
+HK$6,196/mo
Deposit HK$14.01M · loan HK$21.01M · min. income ≈ HK$203,628/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,584
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,442
−HK$2,900/mo
Today · 4.125%
HK$112,342
baseline
▲ 0.50% · 4.625%
HK$118,264
+HK$5,922/mo
Deposit HK$14.01M · loan HK$21.01M · min. income ≈ HK$224,684/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,774
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$115,251
−HK$3,533/mo
Today · 4.125%
HK$118,784
baseline
▲ 0.50% · 4.625%
HK$126,011
+HK$7,227/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$237,568/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,348
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,683
−HK$3,383/mo
Today · 4.125%
HK$131,066
baseline
▲ 0.50% · 4.625%
HK$137,975
+HK$6,909/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$262,132/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,710
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$148,180
−HK$4,542/mo
Today · 4.125%
HK$152,722
baseline
▲ 0.50% · 4.625%
HK$162,014
+HK$9,292/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$305,444/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,876
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$164,163
−HK$4,350/mo
Today · 4.125%
HK$168,513
baseline
▲ 0.50% · 4.625%
HK$177,396
+HK$8,883/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$337,026/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,056 · Scale 2, in force from 26 Feb 2026)