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$79,837
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,321
−HK$2,523/mo
Today · 4.125%
HK$84,844
baseline
▲ 0.50% · 4.625%
HK$90,006
+HK$5,162/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$169,688/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,818
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,200
−HK$2,417/mo
Today · 4.125%
HK$93,617
baseline
▲ 0.50% · 4.625%
HK$98,551
+HK$4,934/mo
Deposit HK$17.51M · loan HK$17.51M · min. income ≈ HK$187,234/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,805
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,785
−HK$3,027/mo
Today · 4.125%
HK$101,812
baseline
▲ 0.50% · 4.625%
HK$108,007
+HK$6,195/mo
Deposit HK$14.00M · loan HK$21.01M · min. income ≈ HK$203,624/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,582
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,440
−HK$2,900/mo
Today · 4.125%
HK$112,340
baseline
▲ 0.50% · 4.625%
HK$118,261
+HK$5,921/mo
Deposit HK$14.00M · loan HK$21.01M · min. income ≈ HK$224,680/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,772
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,249
−HK$3,532/mo
Today · 4.125%
HK$118,781
baseline
▲ 0.50% · 4.625%
HK$126,009
+HK$7,228/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$237,562/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,345
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,680
−HK$3,383/mo
Today · 4.125%
HK$131,063
baseline
▲ 0.50% · 4.625%
HK$137,972
+HK$6,909/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$262,126/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,707
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$148,177
−HK$4,542/mo
Today · 4.125%
HK$152,719
baseline
▲ 0.50% · 4.625%
HK$162,011
+HK$9,292/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$305,438/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,872
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$164,160
−HK$4,350/mo
Today · 4.125%
HK$168,510
baseline
▲ 0.50% · 4.625%
HK$177,392
+HK$8,882/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$337,020/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,025 · Scale 2, in force from 26 Feb 2026)