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$75,956
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,319
−HK$2,401/mo
Today · 4.125%
HK$80,720
baseline
▲ 0.50% · 4.625%
HK$85,631
+HK$4,911/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,440/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,501
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,767
−HK$2,299/mo
Today · 4.125%
HK$89,066
baseline
▲ 0.50% · 4.625%
HK$93,761
+HK$4,695/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,132/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,148
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,983
−HK$2,880/mo
Today · 4.125%
HK$96,863
baseline
▲ 0.50% · 4.625%
HK$102,757
+HK$5,894/mo
Deposit HK$13.32M · loan HK$19.99M · min. income ≈ HK$193,726/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,401
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,120
−HK$2,759/mo
Today · 4.125%
HK$106,879
baseline
▲ 0.50% · 4.625%
HK$112,513
+HK$5,634/mo
Deposit HK$13.32M · loan HK$19.99M · min. income ≈ HK$213,758/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,339
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,647
−HK$3,360/mo
Today · 4.125%
HK$113,007
baseline
▲ 0.50% · 4.625%
HK$119,884
+HK$6,877/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$226,014/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,301
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,474
−HK$3,218/mo
Today · 4.125%
HK$124,692
baseline
▲ 0.50% · 4.625%
HK$131,265
+HK$6,573/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$249,384/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,722
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$140,974
−HK$4,321/mo
Today · 4.125%
HK$145,295
baseline
▲ 0.50% · 4.625%
HK$154,136
+HK$8,841/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$290,590/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,101
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$156,181
−HK$4,138/mo
Today · 4.125%
HK$160,319
baseline
▲ 0.50% · 4.625%
HK$168,770
+HK$8,451/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$320,638/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,695 · Scale 2, in force from 26 Feb 2026)