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$79,702
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,181
−HK$2,519/mo
Today · 4.125%
HK$84,700
baseline
▲ 0.50% · 4.625%
HK$89,854
+HK$5,154/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$169,400/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,668
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,046
−HK$2,412/mo
Today · 4.125%
HK$93,458
baseline
▲ 0.50% · 4.625%
HK$98,385
+HK$4,927/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$186,916/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,643
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,618
−HK$3,022/mo
Today · 4.125%
HK$101,640
baseline
▲ 0.50% · 4.625%
HK$107,825
+HK$6,185/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$203,280/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,402
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,255
−HK$2,895/mo
Today · 4.125%
HK$112,150
baseline
▲ 0.50% · 4.625%
HK$118,062
+HK$5,912/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$224,300/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,583
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,054
−HK$3,526/mo
Today · 4.125%
HK$118,580
baseline
▲ 0.50% · 4.625%
HK$125,796
+HK$7,216/mo
Deposit HK$10.49M · loan HK$24.47M · min. income ≈ HK$237,160/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,135
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,464
−HK$3,378/mo
Today · 4.125%
HK$130,842
baseline
▲ 0.50% · 4.625%
HK$137,739
+HK$6,897/mo
Deposit HK$10.49M · loan HK$24.47M · min. income ≈ HK$261,684/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,464
−HK$8,996/mo
▼ 0.25% · 3.875%
HK$147,927
−HK$4,533/mo
Today · 4.125%
HK$152,460
baseline
▲ 0.50% · 4.625%
HK$161,737
+HK$9,277/mo
Deposit HK$3.50M · loan HK$31.46M · min. income ≈ HK$304,920/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,602
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$163,883
−HK$4,342/mo
Today · 4.125%
HK$168,225
baseline
▲ 0.50% · 4.625%
HK$177,092
+HK$8,867/mo
Deposit HK$3.50M · loan HK$31.46M · min. income ≈ HK$336,450/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,511 · Scale 2, in force from 26 Feb 2026)