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$77,303
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,707
−HK$2,443/mo
Today · 4.125%
HK$82,150
baseline
▲ 0.50% · 4.625%
HK$87,149
+HK$4,999/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,300/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,999
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,305
−HK$2,340/mo
Today · 4.125%
HK$90,645
baseline
▲ 0.50% · 4.625%
HK$95,423
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,290/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,763
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,649
−HK$2,932/mo
Today · 4.125%
HK$98,581
baseline
▲ 0.50% · 4.625%
HK$104,579
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,162/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,198
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,966
−HK$2,808/mo
Today · 4.125%
HK$108,774
baseline
▲ 0.50% · 4.625%
HK$114,508
+HK$5,734/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,548/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,224
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,590
−HK$3,421/mo
Today · 4.125%
HK$115,011
baseline
▲ 0.50% · 4.625%
HK$122,009
+HK$6,998/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,022/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,398
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,627
−HK$3,276/mo
Today · 4.125%
HK$126,903
baseline
▲ 0.50% · 4.625%
HK$133,592
+HK$6,689/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,806/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,145
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$143,473
−HK$4,398/mo
Today · 4.125%
HK$147,871
baseline
▲ 0.50% · 4.625%
HK$156,868
+HK$8,997/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,742/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,798
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,949
−HK$4,212/mo
Today · 4.125%
HK$163,161
baseline
▲ 0.50% · 4.625%
HK$171,761
+HK$8,600/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,322/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,791 · Scale 2, in force from 26 Feb 2026)