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$77,317
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,722
−HK$2,444/mo
Today · 4.125%
HK$82,166
baseline
▲ 0.50% · 4.625%
HK$87,165
+HK$4,999/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,332/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,015
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,322
−HK$2,340/mo
Today · 4.125%
HK$90,662
baseline
▲ 0.50% · 4.625%
HK$95,441
+HK$4,779/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,324/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,781
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,667
−HK$2,932/mo
Today · 4.125%
HK$98,599
baseline
▲ 0.50% · 4.625%
HK$104,599
+HK$6,000/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,198/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,218
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,986
−HK$2,808/mo
Today · 4.125%
HK$108,794
baseline
▲ 0.50% · 4.625%
HK$114,529
+HK$5,735/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,588/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,244
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,611
−HK$3,421/mo
Today · 4.125%
HK$115,032
baseline
▲ 0.50% · 4.625%
HK$122,032
+HK$7,000/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$230,064/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,421
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,650
−HK$3,277/mo
Today · 4.125%
HK$126,927
baseline
▲ 0.50% · 4.625%
HK$133,617
+HK$6,690/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$253,854/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,171
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,500
−HK$4,399/mo
Today · 4.125%
HK$147,899
baseline
▲ 0.50% · 4.625%
HK$156,898
+HK$8,999/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$295,798/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,827
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,979
−HK$4,212/mo
Today · 4.125%
HK$163,191
baseline
▲ 0.50% · 4.625%
HK$171,794
+HK$8,603/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$326,382/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,062 · Scale 2, in force from 26 Feb 2026)