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$79,847
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,330
−HK$2,524/mo
Today · 4.125%
HK$84,854
baseline
▲ 0.50% · 4.625%
HK$90,017
+HK$5,163/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,708/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,829
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,211
−HK$2,417/mo
Today · 4.125%
HK$93,628
baseline
▲ 0.50% · 4.625%
HK$98,563
+HK$4,935/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,256/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,816
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,796
−HK$3,029/mo
Today · 4.125%
HK$101,825
baseline
▲ 0.50% · 4.625%
HK$108,020
+HK$6,195/mo
Deposit HK$14.01M · loan HK$21.01M · min. income ≈ HK$203,650/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,594
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,453
−HK$2,900/mo
Today · 4.125%
HK$112,353
baseline
▲ 0.50% · 4.625%
HK$118,276
+HK$5,923/mo
Deposit HK$14.01M · loan HK$21.01M · min. income ≈ HK$224,706/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,785
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$115,263
−HK$3,532/mo
Today · 4.125%
HK$118,795
baseline
▲ 0.50% · 4.625%
HK$126,024
+HK$7,229/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$237,590/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,360
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,695
−HK$3,384/mo
Today · 4.125%
HK$131,079
baseline
▲ 0.50% · 4.625%
HK$137,988
+HK$6,909/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$262,158/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,724
−HK$9,013/mo
▼ 0.25% · 3.875%
HK$148,195
−HK$4,542/mo
Today · 4.125%
HK$152,737
baseline
▲ 0.50% · 4.625%
HK$162,030
+HK$9,293/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$305,474/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,892
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$164,180
−HK$4,350/mo
Today · 4.125%
HK$168,530
baseline
▲ 0.50% · 4.625%
HK$177,413
+HK$8,883/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$337,060/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,203 · Scale 2, in force from 26 Feb 2026)