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$79,867
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,351
−HK$2,524/mo
Today · 4.125%
HK$84,875
baseline
▲ 0.50% · 4.625%
HK$90,040
+HK$5,165/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,750/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,851
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,234
−HK$2,417/mo
Today · 4.125%
HK$93,651
baseline
▲ 0.50% · 4.625%
HK$98,588
+HK$4,937/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,302/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,840
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,821
−HK$3,029/mo
Today · 4.125%
HK$101,850
baseline
▲ 0.50% · 4.625%
HK$108,048
+HK$6,198/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$203,700/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,621
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,481
−HK$2,901/mo
Today · 4.125%
HK$112,382
baseline
▲ 0.50% · 4.625%
HK$118,305
+HK$5,923/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$224,764/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,814
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,292
−HK$3,533/mo
Today · 4.125%
HK$118,825
baseline
▲ 0.50% · 4.625%
HK$126,056
+HK$7,231/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$237,650/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,391
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,728
−HK$3,384/mo
Today · 4.125%
HK$131,112
baseline
▲ 0.50% · 4.625%
HK$138,023
+HK$6,911/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$262,224/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,760
−HK$9,015/mo
▼ 0.25% · 3.875%
HK$148,232
−HK$4,543/mo
Today · 4.125%
HK$152,775
baseline
▲ 0.50% · 4.625%
HK$162,071
+HK$9,296/mo
Deposit HK$3.50M · loan HK$31.52M · min. income ≈ HK$305,550/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,932
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$164,221
−HK$4,352/mo
Today · 4.125%
HK$168,573
baseline
▲ 0.50% · 4.625%
HK$177,458
+HK$8,885/mo
Deposit HK$3.50M · loan HK$31.52M · min. income ≈ HK$337,146/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,579 · Scale 2, in force from 26 Feb 2026)