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$79,767
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,248
−HK$2,521/mo
Today · 4.125%
HK$84,769
baseline
▲ 0.50% · 4.625%
HK$89,927
+HK$5,158/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$169,538/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,740
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,120
−HK$2,414/mo
Today · 4.125%
HK$93,534
baseline
▲ 0.50% · 4.625%
HK$98,465
+HK$4,931/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$187,068/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,720
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,698
−HK$3,025/mo
Today · 4.125%
HK$101,723
baseline
▲ 0.50% · 4.625%
HK$107,912
+HK$6,189/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$203,446/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,488
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,344
−HK$2,897/mo
Today · 4.125%
HK$112,241
baseline
▲ 0.50% · 4.625%
HK$118,157
+HK$5,916/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$224,482/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,674
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,147
−HK$3,530/mo
Today · 4.125%
HK$118,677
baseline
▲ 0.50% · 4.625%
HK$125,898
+HK$7,221/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$237,354/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,236
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,568
−HK$3,380/mo
Today · 4.125%
HK$130,948
baseline
▲ 0.50% · 4.625%
HK$137,850
+HK$6,902/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$261,896/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,580
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$148,047
−HK$4,537/mo
Today · 4.125%
HK$152,584
baseline
▲ 0.50% · 4.625%
HK$161,869
+HK$9,285/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$305,168/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,732
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$164,016
−HK$4,346/mo
Today · 4.125%
HK$168,362
baseline
▲ 0.50% · 4.625%
HK$177,236
+HK$8,874/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$336,724/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,716 · Scale 2, in force from 26 Feb 2026)