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$79,872
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,356
−HK$2,525/mo
Today · 4.125%
HK$84,881
baseline
▲ 0.50% · 4.625%
HK$90,045
+HK$5,164/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,762/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,857
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,240
−HK$2,417/mo
Today · 4.125%
HK$93,657
baseline
▲ 0.50% · 4.625%
HK$98,594
+HK$4,937/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,314/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,846
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,828
−HK$3,029/mo
Today · 4.125%
HK$101,857
baseline
▲ 0.50% · 4.625%
HK$108,054
+HK$6,197/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$203,714/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,628
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,488
−HK$2,901/mo
Today · 4.125%
HK$112,389
baseline
▲ 0.50% · 4.625%
HK$118,313
+HK$5,924/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$224,778/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,821
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,299
−HK$3,534/mo
Today · 4.125%
HK$118,833
baseline
▲ 0.50% · 4.625%
HK$126,063
+HK$7,230/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$237,666/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,399
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,736
−HK$3,384/mo
Today · 4.125%
HK$131,120
baseline
▲ 0.50% · 4.625%
HK$138,032
+HK$6,912/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$262,240/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,769
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,241
−HK$4,544/mo
Today · 4.125%
HK$152,785
baseline
▲ 0.50% · 4.625%
HK$162,082
+HK$9,297/mo
Deposit HK$3.50M · loan HK$31.52M · min. income ≈ HK$305,570/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,942
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$164,232
−HK$4,351/mo
Today · 4.125%
HK$168,583
baseline
▲ 0.50% · 4.625%
HK$177,469
+HK$8,886/mo
Deposit HK$3.50M · loan HK$31.52M · min. income ≈ HK$337,166/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,673 · Scale 2, in force from 26 Feb 2026)