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$79,905
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,390
−HK$2,526/mo
Today · 4.125%
HK$84,916
baseline
▲ 0.50% · 4.625%
HK$90,083
+HK$5,167/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,832/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,893
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,278
−HK$2,418/mo
Today · 4.125%
HK$93,696
baseline
▲ 0.50% · 4.625%
HK$98,635
+HK$4,939/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,392/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,886
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,869
−HK$3,030/mo
Today · 4.125%
HK$101,899
baseline
▲ 0.50% · 4.625%
HK$108,099
+HK$6,200/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,798/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,672
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,533
−HK$2,902/mo
Today · 4.125%
HK$112,435
baseline
▲ 0.50% · 4.625%
HK$118,362
+HK$5,927/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,870/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,867
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,347
−HK$3,535/mo
Today · 4.125%
HK$118,882
baseline
▲ 0.50% · 4.625%
HK$126,116
+HK$7,234/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$237,764/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,451
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$127,789
−HK$3,386/mo
Today · 4.125%
HK$131,175
baseline
▲ 0.50% · 4.625%
HK$138,089
+HK$6,914/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$262,350/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,829
−HK$9,019/mo
▼ 0.25% · 3.875%
HK$148,303
−HK$4,545/mo
Today · 4.125%
HK$152,848
baseline
▲ 0.50% · 4.625%
HK$162,149
+HK$9,301/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$305,696/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,008
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$164,300
−HK$4,353/mo
Today · 4.125%
HK$168,653
baseline
▲ 0.50% · 4.625%
HK$177,543
+HK$8,890/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$337,306/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,290 · Scale 2, in force from 26 Feb 2026)