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$77,285
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,689
−HK$2,442/mo
Today · 4.125%
HK$82,131
baseline
▲ 0.50% · 4.625%
HK$87,129
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,262/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,979
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,285
−HK$2,339/mo
Today · 4.125%
HK$90,624
baseline
▲ 0.50% · 4.625%
HK$95,401
+HK$4,777/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,248/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,742
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,627
−HK$2,931/mo
Today · 4.125%
HK$98,558
baseline
▲ 0.50% · 4.625%
HK$104,555
+HK$5,997/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,116/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,175
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,942
−HK$2,807/mo
Today · 4.125%
HK$108,749
baseline
▲ 0.50% · 4.625%
HK$114,481
+HK$5,732/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,498/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,199
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,565
−HK$3,419/mo
Today · 4.125%
HK$114,984
baseline
▲ 0.50% · 4.625%
HK$121,981
+HK$6,997/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$229,968/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,370
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,599
−HK$3,275/mo
Today · 4.125%
HK$126,874
baseline
▲ 0.50% · 4.625%
HK$133,561
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,748/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,113
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$143,440
−HK$4,397/mo
Today · 4.125%
HK$147,837
baseline
▲ 0.50% · 4.625%
HK$156,832
+HK$8,995/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,674/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,762
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$158,912
−HK$4,211/mo
Today · 4.125%
HK$163,123
baseline
▲ 0.50% · 4.625%
HK$171,722
+HK$8,599/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,246/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,458 · Scale 2, in force from 26 Feb 2026)