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$77,340
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,746
−HK$2,444/mo
Today · 4.125%
HK$82,190
baseline
▲ 0.50% · 4.625%
HK$87,191
+HK$5,001/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,380/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,040
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,347
−HK$2,341/mo
Today · 4.125%
HK$90,688
baseline
▲ 0.50% · 4.625%
HK$95,469
+HK$4,781/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,376/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,808
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,695
−HK$2,933/mo
Today · 4.125%
HK$98,628
baseline
▲ 0.50% · 4.625%
HK$104,629
+HK$6,001/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,256/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,248
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,017
−HK$2,809/mo
Today · 4.125%
HK$108,826
baseline
▲ 0.50% · 4.625%
HK$114,562
+HK$5,736/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,652/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,276
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$111,644
−HK$3,422/mo
Today · 4.125%
HK$115,066
baseline
▲ 0.50% · 4.625%
HK$122,067
+HK$7,001/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$230,132/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,456
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,686
−HK$3,278/mo
Today · 4.125%
HK$126,964
baseline
▲ 0.50% · 4.625%
HK$133,656
+HK$6,692/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$253,928/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,212
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,542
−HK$4,400/mo
Today · 4.125%
HK$147,942
baseline
▲ 0.50% · 4.625%
HK$156,944
+HK$9,002/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$295,884/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,872
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,025
−HK$4,214/mo
Today · 4.125%
HK$163,239
baseline
▲ 0.50% · 4.625%
HK$171,844
+HK$8,605/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$326,478/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,481 · Scale 2, in force from 26 Feb 2026)