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$79,888
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,373
−HK$2,525/mo
Today · 4.125%
HK$84,898
baseline
▲ 0.50% · 4.625%
HK$90,064
+HK$5,166/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,796/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,875
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,259
−HK$2,418/mo
Today · 4.125%
HK$93,677
baseline
▲ 0.50% · 4.625%
HK$98,615
+HK$4,938/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,354/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,866
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,848
−HK$3,030/mo
Today · 4.125%
HK$101,878
baseline
▲ 0.50% · 4.625%
HK$108,077
+HK$6,199/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$203,756/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,650
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,510
−HK$2,902/mo
Today · 4.125%
HK$112,412
baseline
▲ 0.50% · 4.625%
HK$118,337
+HK$5,925/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$224,824/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,844
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,323
−HK$3,534/mo
Today · 4.125%
HK$118,857
baseline
▲ 0.50% · 4.625%
HK$126,090
+HK$7,233/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$237,714/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,425
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,762
−HK$3,385/mo
Today · 4.125%
HK$131,147
baseline
▲ 0.50% · 4.625%
HK$138,060
+HK$6,913/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$262,294/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,799
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$148,272
−HK$4,545/mo
Today · 4.125%
HK$152,817
baseline
▲ 0.50% · 4.625%
HK$162,115
+HK$9,298/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$305,634/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,975
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$164,266
−HK$4,352/mo
Today · 4.125%
HK$168,618
baseline
▲ 0.50% · 4.625%
HK$177,506
+HK$8,888/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$337,236/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,982 · Scale 2, in force from 26 Feb 2026)