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$79,735
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,215
−HK$2,520/mo
Today · 4.125%
HK$84,735
baseline
▲ 0.50% · 4.625%
HK$89,891
+HK$5,156/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$169,470/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,704
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,083
−HK$2,413/mo
Today · 4.125%
HK$93,496
baseline
▲ 0.50% · 4.625%
HK$98,425
+HK$4,929/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$186,992/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,681
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,658
−HK$3,024/mo
Today · 4.125%
HK$101,682
baseline
▲ 0.50% · 4.625%
HK$107,869
+HK$6,187/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$203,364/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,445
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,299
−HK$2,897/mo
Today · 4.125%
HK$112,196
baseline
▲ 0.50% · 4.625%
HK$118,110
+HK$5,914/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$224,392/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,628
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,101
−HK$3,527/mo
Today · 4.125%
HK$118,628
baseline
▲ 0.50% · 4.625%
HK$125,847
+HK$7,219/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$237,256/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,185
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,516
−HK$3,379/mo
Today · 4.125%
HK$130,895
baseline
▲ 0.50% · 4.625%
HK$137,794
+HK$6,899/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$261,790/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,522
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$147,987
−HK$4,535/mo
Today · 4.125%
HK$152,522
baseline
▲ 0.50% · 4.625%
HK$161,803
+HK$9,281/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$305,044/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,667
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,949
−HK$4,344/mo
Today · 4.125%
HK$168,293
baseline
▲ 0.50% · 4.625%
HK$177,164
+HK$8,871/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$336,586/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,113 · Scale 2, in force from 26 Feb 2026)