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$77,330
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,736
−HK$2,444/mo
Today · 4.125%
HK$82,180
baseline
▲ 0.50% · 4.625%
HK$87,180
+HK$5,000/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,360/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,029
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,336
−HK$2,341/mo
Today · 4.125%
HK$90,677
baseline
▲ 0.50% · 4.625%
HK$95,457
+HK$4,780/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,354/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,796
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,683
−HK$2,933/mo
Today · 4.125%
HK$98,616
baseline
▲ 0.50% · 4.625%
HK$104,616
+HK$6,000/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,232/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,235
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,004
−HK$2,809/mo
Today · 4.125%
HK$108,813
baseline
▲ 0.50% · 4.625%
HK$114,548
+HK$5,735/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,626/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,262
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,630
−HK$3,421/mo
Today · 4.125%
HK$115,051
baseline
▲ 0.50% · 4.625%
HK$122,052
+HK$7,001/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$230,102/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,441
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,671
−HK$3,277/mo
Today · 4.125%
HK$126,948
baseline
▲ 0.50% · 4.625%
HK$133,640
+HK$6,692/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$253,896/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,195
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,524
−HK$4,399/mo
Today · 4.125%
HK$147,923
baseline
▲ 0.50% · 4.625%
HK$156,924
+HK$9,001/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$295,846/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,853
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$159,006
−HK$4,213/mo
Today · 4.125%
HK$163,219
baseline
▲ 0.50% · 4.625%
HK$171,822
+HK$8,603/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$326,438/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,303 · Scale 2, in force from 26 Feb 2026)