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$79,859
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,344
−HK$2,523/mo
Today · 4.125%
HK$84,867
baseline
▲ 0.50% · 4.625%
HK$90,031
+HK$5,164/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,734/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,843
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,226
−HK$2,417/mo
Today · 4.125%
HK$93,643
baseline
▲ 0.50% · 4.625%
HK$98,579
+HK$4,936/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,286/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,831
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,812
−HK$3,029/mo
Today · 4.125%
HK$101,841
baseline
▲ 0.50% · 4.625%
HK$108,038
+HK$6,197/mo
Deposit HK$14.01M · loan HK$21.01M · min. income ≈ HK$203,682/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,611
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,471
−HK$2,900/mo
Today · 4.125%
HK$112,371
baseline
▲ 0.50% · 4.625%
HK$118,294
+HK$5,923/mo
Deposit HK$14.01M · loan HK$21.01M · min. income ≈ HK$224,742/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,803
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,281
−HK$3,533/mo
Today · 4.125%
HK$118,814
baseline
▲ 0.50% · 4.625%
HK$126,044
+HK$7,230/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$237,628/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,380
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,716
−HK$3,384/mo
Today · 4.125%
HK$131,100
baseline
▲ 0.50% · 4.625%
HK$138,010
+HK$6,910/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$262,200/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,747
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$148,218
−HK$4,543/mo
Today · 4.125%
HK$152,761
baseline
▲ 0.50% · 4.625%
HK$162,056
+HK$9,295/mo
Deposit HK$3.50M · loan HK$31.52M · min. income ≈ HK$305,522/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,917
−HK$8,640/mo
▼ 0.25% · 3.875%
HK$164,206
−HK$4,351/mo
Today · 4.125%
HK$168,557
baseline
▲ 0.50% · 4.625%
HK$177,442
+HK$8,885/mo
Deposit HK$3.50M · loan HK$31.52M · min. income ≈ HK$337,114/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,441 · Scale 2, in force from 26 Feb 2026)