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$77,309
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,713
−HK$2,444/mo
Today · 4.125%
HK$82,157
baseline
▲ 0.50% · 4.625%
HK$87,156
+HK$4,999/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,314/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,005
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,312
−HK$2,340/mo
Today · 4.125%
HK$90,652
baseline
▲ 0.50% · 4.625%
HK$95,430
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,304/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,770
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,656
−HK$2,932/mo
Today · 4.125%
HK$98,588
baseline
▲ 0.50% · 4.625%
HK$104,587
+HK$5,999/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,176/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,206
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,974
−HK$2,808/mo
Today · 4.125%
HK$108,782
baseline
▲ 0.50% · 4.625%
HK$114,516
+HK$5,734/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,564/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,232
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,599
−HK$3,420/mo
Today · 4.125%
HK$115,019
baseline
▲ 0.50% · 4.625%
HK$122,018
+HK$6,999/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,038/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,407
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,636
−HK$3,276/mo
Today · 4.125%
HK$126,912
baseline
▲ 0.50% · 4.625%
HK$133,602
+HK$6,690/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,824/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,156
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$143,484
−HK$4,398/mo
Today · 4.125%
HK$147,882
baseline
▲ 0.50% · 4.625%
HK$156,880
+HK$8,998/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,764/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,809
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,961
−HK$4,212/mo
Today · 4.125%
HK$163,173
baseline
▲ 0.50% · 4.625%
HK$171,774
+HK$8,601/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,346/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,900 · Scale 2, in force from 26 Feb 2026)