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$79,921
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,407
−HK$2,526/mo
Today · 4.125%
HK$84,933
baseline
▲ 0.50% · 4.625%
HK$90,101
+HK$5,168/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,866/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,912
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,296
−HK$2,419/mo
Today · 4.125%
HK$93,715
baseline
▲ 0.50% · 4.625%
HK$98,655
+HK$4,940/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,430/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,906
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,889
−HK$3,031/mo
Today · 4.125%
HK$101,920
baseline
▲ 0.50% · 4.625%
HK$108,121
+HK$6,201/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,840/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,694
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,555
−HK$2,903/mo
Today · 4.125%
HK$112,458
baseline
▲ 0.50% · 4.625%
HK$118,386
+HK$5,928/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,916/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,890
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$115,370
−HK$3,536/mo
Today · 4.125%
HK$118,906
baseline
▲ 0.50% · 4.625%
HK$126,141
+HK$7,235/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$237,812/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,476
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,815
−HK$3,386/mo
Today · 4.125%
HK$131,201
baseline
▲ 0.50% · 4.625%
HK$138,117
+HK$6,916/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$262,402/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,858
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,333
−HK$4,547/mo
Today · 4.125%
HK$152,880
baseline
▲ 0.50% · 4.625%
HK$162,182
+HK$9,302/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$305,760/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,041
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$164,333
−HK$4,355/mo
Today · 4.125%
HK$168,688
baseline
▲ 0.50% · 4.625%
HK$177,579
+HK$8,891/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$337,376/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,594 · Scale 2, in force from 26 Feb 2026)