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$79,731
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,212
−HK$2,519/mo
Today · 4.125%
HK$84,731
baseline
▲ 0.50% · 4.625%
HK$89,887
+HK$5,156/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$169,462/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,700
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,079
−HK$2,414/mo
Today · 4.125%
HK$93,493
baseline
▲ 0.50% · 4.625%
HK$98,421
+HK$4,928/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$186,986/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,678
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,654
−HK$3,024/mo
Today · 4.125%
HK$101,678
baseline
▲ 0.50% · 4.625%
HK$107,864
+HK$6,186/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$203,356/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,441
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,295
−HK$2,896/mo
Today · 4.125%
HK$112,191
baseline
▲ 0.50% · 4.625%
HK$118,105
+HK$5,914/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$224,382/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,624
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,096
−HK$3,528/mo
Today · 4.125%
HK$118,624
baseline
▲ 0.50% · 4.625%
HK$125,842
+HK$7,218/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$237,248/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,181
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,511
−HK$3,379/mo
Today · 4.125%
HK$130,890
baseline
▲ 0.50% · 4.625%
HK$137,789
+HK$6,899/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$261,780/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,517
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$147,981
−HK$4,535/mo
Today · 4.125%
HK$152,516
baseline
▲ 0.50% · 4.625%
HK$161,797
+HK$9,281/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$305,032/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,661
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,943
−HK$4,344/mo
Today · 4.125%
HK$168,287
baseline
▲ 0.50% · 4.625%
HK$177,157
+HK$8,870/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$336,574/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,056 · Scale 2, in force from 26 Feb 2026)