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$77,307
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,712
−HK$2,443/mo
Today · 4.125%
HK$82,155
baseline
▲ 0.50% · 4.625%
HK$87,154
+HK$4,999/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,310/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,004
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,310
−HK$2,340/mo
Today · 4.125%
HK$90,650
baseline
▲ 0.50% · 4.625%
HK$95,429
+HK$4,779/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,300/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,769
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,655
−HK$2,931/mo
Today · 4.125%
HK$98,586
baseline
▲ 0.50% · 4.625%
HK$104,585
+HK$5,999/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,172/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,205
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,972
−HK$2,808/mo
Today · 4.125%
HK$108,780
baseline
▲ 0.50% · 4.625%
HK$114,514
+HK$5,734/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,560/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,230
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,597
−HK$3,420/mo
Today · 4.125%
HK$115,017
baseline
▲ 0.50% · 4.625%
HK$122,016
+HK$6,999/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,034/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,405
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,634
−HK$3,276/mo
Today · 4.125%
HK$126,910
baseline
▲ 0.50% · 4.625%
HK$133,600
+HK$6,690/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,820/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,153
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$143,482
−HK$4,398/mo
Today · 4.125%
HK$147,880
baseline
▲ 0.50% · 4.625%
HK$156,878
+HK$8,998/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,760/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,807
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,959
−HK$4,212/mo
Today · 4.125%
HK$163,171
baseline
▲ 0.50% · 4.625%
HK$171,771
+HK$8,600/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,342/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,876 · Scale 2, in force from 26 Feb 2026)