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$77,283
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,686
−HK$2,443/mo
Today · 4.125%
HK$82,129
baseline
▲ 0.50% · 4.625%
HK$87,126
+HK$4,997/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,258/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,976
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,282
−HK$2,339/mo
Today · 4.125%
HK$90,621
baseline
▲ 0.50% · 4.625%
HK$95,398
+HK$4,777/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,242/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,739
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,624
−HK$2,931/mo
Today · 4.125%
HK$98,555
baseline
▲ 0.50% · 4.625%
HK$104,551
+HK$5,996/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,110/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,171
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,938
−HK$2,807/mo
Today · 4.125%
HK$108,745
baseline
▲ 0.50% · 4.625%
HK$114,477
+HK$5,732/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,490/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,196
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,561
−HK$3,419/mo
Today · 4.125%
HK$114,980
baseline
▲ 0.50% · 4.625%
HK$121,977
+HK$6,997/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,960/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,367
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,595
−HK$3,275/mo
Today · 4.125%
HK$126,870
baseline
▲ 0.50% · 4.625%
HK$133,557
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,740/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,109
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,436
−HK$4,396/mo
Today · 4.125%
HK$147,832
baseline
▲ 0.50% · 4.625%
HK$156,827
+HK$8,995/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,664/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,757
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$158,907
−HK$4,211/mo
Today · 4.125%
HK$163,118
baseline
▲ 0.50% · 4.625%
HK$171,716
+HK$8,598/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,236/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,413 · Scale 2, in force from 26 Feb 2026)