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$79,765
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,246
−HK$2,521/mo
Today · 4.125%
HK$84,767
baseline
▲ 0.50% · 4.625%
HK$89,925
+HK$5,158/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$169,534/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,738
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,118
−HK$2,414/mo
Today · 4.125%
HK$93,532
baseline
▲ 0.50% · 4.625%
HK$98,462
+HK$4,930/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$187,064/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,718
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,696
−HK$3,025/mo
Today · 4.125%
HK$101,721
baseline
▲ 0.50% · 4.625%
HK$107,910
+HK$6,189/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$203,442/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,486
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,341
−HK$2,898/mo
Today · 4.125%
HK$112,239
baseline
▲ 0.50% · 4.625%
HK$118,155
+HK$5,916/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$224,478/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,671
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,145
−HK$3,529/mo
Today · 4.125%
HK$118,674
baseline
▲ 0.50% · 4.625%
HK$125,895
+HK$7,221/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$237,348/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,233
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,565
−HK$3,380/mo
Today · 4.125%
HK$130,945
baseline
▲ 0.50% · 4.625%
HK$137,847
+HK$6,902/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$261,890/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,577
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$148,043
−HK$4,538/mo
Today · 4.125%
HK$152,581
baseline
▲ 0.50% · 4.625%
HK$161,865
+HK$9,284/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$305,162/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,728
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$164,012
−HK$4,346/mo
Today · 4.125%
HK$168,358
baseline
▲ 0.50% · 4.625%
HK$177,232
+HK$8,874/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$336,716/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,684 · Scale 2, in force from 26 Feb 2026)