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$75,989
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,352
−HK$2,402/mo
Today · 4.125%
HK$80,754
baseline
▲ 0.50% · 4.625%
HK$85,667
+HK$4,913/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,508/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,537
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,804
−HK$2,300/mo
Today · 4.125%
HK$89,104
baseline
▲ 0.50% · 4.625%
HK$93,801
+HK$4,697/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,208/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,186
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,023
−HK$2,881/mo
Today · 4.125%
HK$96,904
baseline
▲ 0.50% · 4.625%
HK$102,801
+HK$5,897/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$193,808/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,444
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,165
−HK$2,760/mo
Today · 4.125%
HK$106,925
baseline
▲ 0.50% · 4.625%
HK$112,561
+HK$5,636/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$213,850/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,384
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,693
−HK$3,362/mo
Today · 4.125%
HK$113,055
baseline
▲ 0.50% · 4.625%
HK$119,934
+HK$6,879/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$226,110/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,351
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,525
−HK$3,220/mo
Today · 4.125%
HK$124,745
baseline
▲ 0.50% · 4.625%
HK$131,321
+HK$6,576/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$249,490/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,779
−HK$8,578/mo
▼ 0.25% · 3.875%
HK$141,034
−HK$4,323/mo
Today · 4.125%
HK$145,357
baseline
▲ 0.50% · 4.625%
HK$154,201
+HK$8,844/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$290,714/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,166
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,247
−HK$4,140/mo
Today · 4.125%
HK$160,387
baseline
▲ 0.50% · 4.625%
HK$168,841
+HK$8,454/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$320,774/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,295 · Scale 2, in force from 26 Feb 2026)