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$75,993
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,357
−HK$2,401/mo
Today · 4.125%
HK$80,758
baseline
▲ 0.50% · 4.625%
HK$85,672
+HK$4,914/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,516/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,541
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,809
−HK$2,300/mo
Today · 4.125%
HK$89,109
baseline
▲ 0.50% · 4.625%
HK$93,806
+HK$4,697/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,218/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,191
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,028
−HK$2,882/mo
Today · 4.125%
HK$96,910
baseline
▲ 0.50% · 4.625%
HK$102,807
+HK$5,897/mo
Deposit HK$13.33M · loan HK$20.00M · min. income ≈ HK$193,820/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,449
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,170
−HK$2,760/mo
Today · 4.125%
HK$106,930
baseline
▲ 0.50% · 4.625%
HK$112,567
+HK$5,637/mo
Deposit HK$13.33M · loan HK$20.00M · min. income ≈ HK$213,860/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,390
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,699
−HK$3,362/mo
Today · 4.125%
HK$113,061
baseline
▲ 0.50% · 4.625%
HK$119,941
+HK$6,880/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$226,122/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,358
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,532
−HK$3,220/mo
Today · 4.125%
HK$124,752
baseline
▲ 0.50% · 4.625%
HK$131,328
+HK$6,576/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$249,504/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,787
−HK$8,578/mo
▼ 0.25% · 3.875%
HK$141,042
−HK$4,323/mo
Today · 4.125%
HK$145,365
baseline
▲ 0.50% · 4.625%
HK$154,210
+HK$8,845/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$290,730/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,174
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$156,255
−HK$4,141/mo
Today · 4.125%
HK$160,396
baseline
▲ 0.50% · 4.625%
HK$168,850
+HK$8,454/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$320,792/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,373 · Scale 2, in force from 26 Feb 2026)