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$79,784
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,266
−HK$2,521/mo
Today · 4.125%
HK$84,787
baseline
▲ 0.50% · 4.625%
HK$89,946
+HK$5,159/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$169,574/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,759
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,139
−HK$2,415/mo
Today · 4.125%
HK$93,554
baseline
▲ 0.50% · 4.625%
HK$98,485
+HK$4,931/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$187,108/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,741
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,719
−HK$3,025/mo
Today · 4.125%
HK$101,744
baseline
▲ 0.50% · 4.625%
HK$107,935
+HK$6,191/mo
Deposit HK$14.00M · loan HK$20.99M · min. income ≈ HK$203,488/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,511
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,367
−HK$2,898/mo
Today · 4.125%
HK$112,265
baseline
▲ 0.50% · 4.625%
HK$118,183
+HK$5,918/mo
Deposit HK$14.00M · loan HK$20.99M · min. income ≈ HK$224,530/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,697
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,172
−HK$3,530/mo
Today · 4.125%
HK$118,702
baseline
▲ 0.50% · 4.625%
HK$125,925
+HK$7,223/mo
Deposit HK$10.50M · loan HK$24.49M · min. income ≈ HK$237,404/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,262
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,595
−HK$3,381/mo
Today · 4.125%
HK$130,976
baseline
▲ 0.50% · 4.625%
HK$137,880
+HK$6,904/mo
Deposit HK$10.50M · loan HK$24.49M · min. income ≈ HK$261,952/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,611
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$148,078
−HK$4,539/mo
Today · 4.125%
HK$152,617
baseline
▲ 0.50% · 4.625%
HK$161,903
+HK$9,286/mo
Deposit HK$3.50M · loan HK$31.49M · min. income ≈ HK$305,234/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,766
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$164,051
−HK$4,346/mo
Today · 4.125%
HK$168,397
baseline
▲ 0.50% · 4.625%
HK$177,274
+HK$8,877/mo
Deposit HK$3.50M · loan HK$31.49M · min. income ≈ HK$336,794/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,033 · Scale 2, in force from 26 Feb 2026)