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$79,876
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,361
−HK$2,524/mo
Today · 4.125%
HK$84,885
baseline
▲ 0.50% · 4.625%
HK$90,050
+HK$5,165/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,770/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,861
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,244
−HK$2,418/mo
Today · 4.125%
HK$93,662
baseline
▲ 0.50% · 4.625%
HK$98,599
+HK$4,937/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,324/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,851
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,833
−HK$3,029/mo
Today · 4.125%
HK$101,862
baseline
▲ 0.50% · 4.625%
HK$108,060
+HK$6,198/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$203,724/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,633
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,493
−HK$2,901/mo
Today · 4.125%
HK$112,394
baseline
▲ 0.50% · 4.625%
HK$118,319
+HK$5,925/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$224,788/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,826
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,305
−HK$3,534/mo
Today · 4.125%
HK$118,839
baseline
▲ 0.50% · 4.625%
HK$126,070
+HK$7,231/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$237,678/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,406
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,742
−HK$3,385/mo
Today · 4.125%
HK$131,127
baseline
▲ 0.50% · 4.625%
HK$138,039
+HK$6,912/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$262,254/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,777
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,249
−HK$4,544/mo
Today · 4.125%
HK$152,793
baseline
▲ 0.50% · 4.625%
HK$162,090
+HK$9,297/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$305,586/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,950
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$164,240
−HK$4,352/mo
Today · 4.125%
HK$168,592
baseline
▲ 0.50% · 4.625%
HK$177,478
+HK$8,886/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$337,184/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,749 · Scale 2, in force from 26 Feb 2026)