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$77,295
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,700
−HK$2,442/mo
Today · 4.125%
HK$82,142
baseline
▲ 0.50% · 4.625%
HK$87,141
+HK$4,999/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,284/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,990
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,296
−HK$2,340/mo
Today · 4.125%
HK$90,636
baseline
▲ 0.50% · 4.625%
HK$95,414
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,272/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,754
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,640
−HK$2,931/mo
Today · 4.125%
HK$98,571
baseline
▲ 0.50% · 4.625%
HK$104,569
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,142/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,188
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,956
−HK$2,807/mo
Today · 4.125%
HK$108,763
baseline
▲ 0.50% · 4.625%
HK$114,496
+HK$5,733/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,526/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,213
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,579
−HK$3,420/mo
Today · 4.125%
HK$114,999
baseline
▲ 0.50% · 4.625%
HK$121,997
+HK$6,998/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$229,998/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,386
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,615
−HK$3,275/mo
Today · 4.125%
HK$126,890
baseline
▲ 0.50% · 4.625%
HK$133,579
+HK$6,689/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,780/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,132
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$143,459
−HK$4,397/mo
Today · 4.125%
HK$147,856
baseline
▲ 0.50% · 4.625%
HK$156,853
+HK$8,997/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,712/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,782
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,934
−HK$4,211/mo
Today · 4.125%
HK$163,145
baseline
▲ 0.50% · 4.625%
HK$171,744
+HK$8,599/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,290/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,650 · Scale 2, in force from 26 Feb 2026)