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$79,892
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,377
−HK$2,525/mo
Today · 4.125%
HK$84,902
baseline
▲ 0.50% · 4.625%
HK$90,068
+HK$5,166/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,804/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,879
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,262
−HK$2,419/mo
Today · 4.125%
HK$93,681
baseline
▲ 0.50% · 4.625%
HK$98,619
+HK$4,938/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,362/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,870
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,852
−HK$3,030/mo
Today · 4.125%
HK$101,882
baseline
▲ 0.50% · 4.625%
HK$108,081
+HK$6,199/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$203,764/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,655
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,515
−HK$2,902/mo
Today · 4.125%
HK$112,417
baseline
▲ 0.50% · 4.625%
HK$118,342
+HK$5,925/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$224,834/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,848
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,328
−HK$3,534/mo
Today · 4.125%
HK$118,862
baseline
▲ 0.50% · 4.625%
HK$126,095
+HK$7,233/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$237,724/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,430
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,767
−HK$3,386/mo
Today · 4.125%
HK$131,153
baseline
▲ 0.50% · 4.625%
HK$138,066
+HK$6,913/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$262,306/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,805
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$148,278
−HK$4,545/mo
Today · 4.125%
HK$152,823
baseline
▲ 0.50% · 4.625%
HK$162,122
+HK$9,299/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$305,646/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,982
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$164,272
−HK$4,353/mo
Today · 4.125%
HK$168,625
baseline
▲ 0.50% · 4.625%
HK$177,514
+HK$8,889/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$337,250/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,043 · Scale 2, in force from 26 Feb 2026)