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$79,835
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,318
−HK$2,523/mo
Today · 4.125%
HK$84,841
baseline
▲ 0.50% · 4.625%
HK$90,004
+HK$5,163/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,682/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,816
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,198
−HK$2,416/mo
Today · 4.125%
HK$93,614
baseline
▲ 0.50% · 4.625%
HK$98,549
+HK$4,935/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,228/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,802
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,782
−HK$3,028/mo
Today · 4.125%
HK$101,810
baseline
▲ 0.50% · 4.625%
HK$108,005
+HK$6,195/mo
Deposit HK$14.00M · loan HK$21.01M · min. income ≈ HK$203,620/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,579
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,437
−HK$2,900/mo
Today · 4.125%
HK$112,337
baseline
▲ 0.50% · 4.625%
HK$118,258
+HK$5,921/mo
Deposit HK$14.00M · loan HK$21.01M · min. income ≈ HK$224,674/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,769
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,246
−HK$3,532/mo
Today · 4.125%
HK$118,778
baseline
▲ 0.50% · 4.625%
HK$126,005
+HK$7,227/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$237,556/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,342
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,677
−HK$3,383/mo
Today · 4.125%
HK$131,060
baseline
▲ 0.50% · 4.625%
HK$137,968
+HK$6,908/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$262,120/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,703
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$148,173
−HK$4,542/mo
Today · 4.125%
HK$152,715
baseline
▲ 0.50% · 4.625%
HK$162,007
+HK$9,292/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$305,430/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,868
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$164,156
−HK$4,350/mo
Today · 4.125%
HK$168,506
baseline
▲ 0.50% · 4.625%
HK$177,388
+HK$8,882/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$337,012/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,987 · Scale 2, in force from 26 Feb 2026)