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$79,885
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,370
−HK$2,524/mo
Today · 4.125%
HK$84,894
baseline
▲ 0.50% · 4.625%
HK$90,060
+HK$5,166/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,788/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,871
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,255
−HK$2,418/mo
Today · 4.125%
HK$93,673
baseline
▲ 0.50% · 4.625%
HK$98,610
+HK$4,937/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,346/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,862
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,844
−HK$3,029/mo
Today · 4.125%
HK$101,873
baseline
▲ 0.50% · 4.625%
HK$108,072
+HK$6,199/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$203,746/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,646
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,506
−HK$2,901/mo
Today · 4.125%
HK$112,407
baseline
▲ 0.50% · 4.625%
HK$118,332
+HK$5,925/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$224,814/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,839
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,318
−HK$3,534/mo
Today · 4.125%
HK$118,852
baseline
▲ 0.50% · 4.625%
HK$126,084
+HK$7,232/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$237,704/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,420
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,757
−HK$3,385/mo
Today · 4.125%
HK$131,142
baseline
▲ 0.50% · 4.625%
HK$138,054
+HK$6,912/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$262,284/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,793
−HK$9,017/mo
▼ 0.25% · 3.875%
HK$148,266
−HK$4,544/mo
Today · 4.125%
HK$152,810
baseline
▲ 0.50% · 4.625%
HK$162,108
+HK$9,298/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$305,620/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,968
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$164,259
−HK$4,352/mo
Today · 4.125%
HK$168,611
baseline
▲ 0.50% · 4.625%
HK$177,499
+HK$8,888/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$337,222/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,917 · Scale 2, in force from 26 Feb 2026)