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$79,727
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,207
−HK$2,520/mo
Today · 4.125%
HK$84,727
baseline
▲ 0.50% · 4.625%
HK$89,882
+HK$5,155/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$169,454/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,696
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,075
−HK$2,413/mo
Today · 4.125%
HK$93,488
baseline
▲ 0.50% · 4.625%
HK$98,416
+HK$4,928/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$186,976/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,673
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,649
−HK$3,023/mo
Today · 4.125%
HK$101,672
baseline
▲ 0.50% · 4.625%
HK$107,859
+HK$6,187/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$203,344/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,435
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,290
−HK$2,895/mo
Today · 4.125%
HK$112,185
baseline
▲ 0.50% · 4.625%
HK$118,099
+HK$5,914/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$224,370/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,618
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,090
−HK$3,528/mo
Today · 4.125%
HK$118,618
baseline
▲ 0.50% · 4.625%
HK$125,835
+HK$7,217/mo
Deposit HK$10.49M · loan HK$24.47M · min. income ≈ HK$237,236/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,174
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,505
−HK$3,378/mo
Today · 4.125%
HK$130,883
baseline
▲ 0.50% · 4.625%
HK$137,782
+HK$6,899/mo
Deposit HK$10.49M · loan HK$24.47M · min. income ≈ HK$261,766/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,509
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$147,973
−HK$4,536/mo
Today · 4.125%
HK$152,509
baseline
▲ 0.50% · 4.625%
HK$161,788
+HK$9,279/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$305,018/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,653
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$163,934
−HK$4,344/mo
Today · 4.125%
HK$168,278
baseline
▲ 0.50% · 4.625%
HK$177,148
+HK$8,870/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$336,556/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,979 · Scale 2, in force from 26 Feb 2026)