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$79,781
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,263
−HK$2,521/mo
Today · 4.125%
HK$84,784
baseline
▲ 0.50% · 4.625%
HK$89,943
+HK$5,159/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$169,568/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,756
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,136
−HK$2,415/mo
Today · 4.125%
HK$93,551
baseline
▲ 0.50% · 4.625%
HK$98,483
+HK$4,932/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$187,102/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,738
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,716
−HK$3,025/mo
Today · 4.125%
HK$101,741
baseline
▲ 0.50% · 4.625%
HK$107,932
+HK$6,191/mo
Deposit HK$14.00M · loan HK$20.99M · min. income ≈ HK$203,482/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,507
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,364
−HK$2,898/mo
Today · 4.125%
HK$112,262
baseline
▲ 0.50% · 4.625%
HK$118,179
+HK$5,917/mo
Deposit HK$14.00M · loan HK$20.99M · min. income ≈ HK$224,524/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,694
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,168
−HK$3,530/mo
Today · 4.125%
HK$118,698
baseline
▲ 0.50% · 4.625%
HK$125,921
+HK$7,223/mo
Deposit HK$10.50M · loan HK$24.49M · min. income ≈ HK$237,396/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,258
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,591
−HK$3,381/mo
Today · 4.125%
HK$130,972
baseline
▲ 0.50% · 4.625%
HK$137,876
+HK$6,904/mo
Deposit HK$10.50M · loan HK$24.49M · min. income ≈ HK$261,944/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,607
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$148,074
−HK$4,538/mo
Today · 4.125%
HK$152,612
baseline
▲ 0.50% · 4.625%
HK$161,898
+HK$9,286/mo
Deposit HK$3.50M · loan HK$31.49M · min. income ≈ HK$305,224/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,761
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$164,046
−HK$4,346/mo
Today · 4.125%
HK$168,392
baseline
▲ 0.50% · 4.625%
HK$177,269
+HK$8,877/mo
Deposit HK$3.50M · loan HK$31.49M · min. income ≈ HK$336,784/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,486,988 · Scale 2, in force from 26 Feb 2026)