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$79,731
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,211
−HK$2,520/mo
Today · 4.125%
HK$84,731
baseline
▲ 0.50% · 4.625%
HK$89,887
+HK$5,156/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$169,462/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,700
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,079
−HK$2,413/mo
Today · 4.125%
HK$93,492
baseline
▲ 0.50% · 4.625%
HK$98,420
+HK$4,928/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$186,984/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,677
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,653
−HK$3,024/mo
Today · 4.125%
HK$101,677
baseline
▲ 0.50% · 4.625%
HK$107,864
+HK$6,187/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$203,354/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,440
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,295
−HK$2,896/mo
Today · 4.125%
HK$112,191
baseline
▲ 0.50% · 4.625%
HK$118,104
+HK$5,913/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$224,382/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,624
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,096
−HK$3,527/mo
Today · 4.125%
HK$118,623
baseline
▲ 0.50% · 4.625%
HK$125,841
+HK$7,218/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$237,246/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,180
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,511
−HK$3,378/mo
Today · 4.125%
HK$130,889
baseline
▲ 0.50% · 4.625%
HK$137,788
+HK$6,899/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$261,778/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,516
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$147,980
−HK$4,536/mo
Today · 4.125%
HK$152,516
baseline
▲ 0.50% · 4.625%
HK$161,796
+HK$9,280/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$305,032/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,660
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,942
−HK$4,344/mo
Today · 4.125%
HK$168,286
baseline
▲ 0.50% · 4.625%
HK$177,157
+HK$8,871/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$336,572/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,049 · Scale 2, in force from 26 Feb 2026)