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$79,763
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,244
−HK$2,521/mo
Today · 4.125%
HK$84,765
baseline
▲ 0.50% · 4.625%
HK$89,923
+HK$5,158/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$169,530/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,736
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,115
−HK$2,415/mo
Today · 4.125%
HK$93,530
baseline
▲ 0.50% · 4.625%
HK$98,460
+HK$4,930/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$187,060/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,716
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,693
−HK$3,025/mo
Today · 4.125%
HK$101,718
baseline
▲ 0.50% · 4.625%
HK$107,907
+HK$6,189/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$203,436/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,483
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,339
−HK$2,897/mo
Today · 4.125%
HK$112,236
baseline
▲ 0.50% · 4.625%
HK$118,152
+HK$5,916/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$224,472/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,668
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,142
−HK$3,529/mo
Today · 4.125%
HK$118,671
baseline
▲ 0.50% · 4.625%
HK$125,892
+HK$7,221/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$237,342/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,230
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,562
−HK$3,380/mo
Today · 4.125%
HK$130,942
baseline
▲ 0.50% · 4.625%
HK$137,844
+HK$6,902/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$261,884/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,574
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$148,040
−HK$4,537/mo
Today · 4.125%
HK$152,577
baseline
▲ 0.50% · 4.625%
HK$161,861
+HK$9,284/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$305,154/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,724
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$164,008
−HK$4,346/mo
Today · 4.125%
HK$168,354
baseline
▲ 0.50% · 4.625%
HK$177,228
+HK$8,874/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$336,708/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,645 · Scale 2, in force from 26 Feb 2026)