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$77,293
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,697
−HK$2,443/mo
Today · 4.125%
HK$82,140
baseline
▲ 0.50% · 4.625%
HK$87,138
+HK$4,998/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,280/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,988
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,294
−HK$2,339/mo
Today · 4.125%
HK$90,633
baseline
▲ 0.50% · 4.625%
HK$95,411
+HK$4,778/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,266/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,752
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,637
−HK$2,931/mo
Today · 4.125%
HK$98,568
baseline
▲ 0.50% · 4.625%
HK$104,566
+HK$5,998/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,136/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,185
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,953
−HK$2,807/mo
Today · 4.125%
HK$108,760
baseline
▲ 0.50% · 4.625%
HK$114,493
+HK$5,733/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,520/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,210
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,576
−HK$3,420/mo
Today · 4.125%
HK$114,996
baseline
▲ 0.50% · 4.625%
HK$121,993
+HK$6,997/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$229,992/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,383
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,611
−HK$3,276/mo
Today · 4.125%
HK$126,887
baseline
▲ 0.50% · 4.625%
HK$133,575
+HK$6,688/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,774/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,127
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,455
−HK$4,397/mo
Today · 4.125%
HK$147,852
baseline
▲ 0.50% · 4.625%
HK$156,848
+HK$8,996/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,704/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,778
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$158,929
−HK$4,211/mo
Today · 4.125%
HK$163,140
baseline
▲ 0.50% · 4.625%
HK$171,739
+HK$8,599/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,280/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,606 · Scale 2, in force from 26 Feb 2026)