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$77,289
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,693
−HK$2,442/mo
Today · 4.125%
HK$82,135
baseline
▲ 0.50% · 4.625%
HK$87,133
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,270/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,983
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,289
−HK$2,339/mo
Today · 4.125%
HK$90,628
baseline
▲ 0.50% · 4.625%
HK$95,405
+HK$4,777/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,256/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,746
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,631
−HK$2,931/mo
Today · 4.125%
HK$98,562
baseline
▲ 0.50% · 4.625%
HK$104,560
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,124/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,179
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,947
−HK$2,807/mo
Today · 4.125%
HK$108,754
baseline
▲ 0.50% · 4.625%
HK$114,486
+HK$5,732/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,508/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,204
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,570
−HK$3,419/mo
Today · 4.125%
HK$114,989
baseline
▲ 0.50% · 4.625%
HK$121,986
+HK$6,997/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$229,978/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,376
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,604
−HK$3,275/mo
Today · 4.125%
HK$126,879
baseline
▲ 0.50% · 4.625%
HK$133,567
+HK$6,688/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,758/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,119
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$143,447
−HK$4,396/mo
Today · 4.125%
HK$147,843
baseline
▲ 0.50% · 4.625%
HK$156,839
+HK$8,996/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,686/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,769
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$158,920
−HK$4,211/mo
Today · 4.125%
HK$163,131
baseline
▲ 0.50% · 4.625%
HK$171,729
+HK$8,598/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,262/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,524 · Scale 2, in force from 26 Feb 2026)