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$75,980
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,343
−HK$2,401/mo
Today · 4.125%
HK$80,744
baseline
▲ 0.50% · 4.625%
HK$85,657
+HK$4,913/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,488/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,527
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,794
−HK$2,299/mo
Today · 4.125%
HK$89,093
baseline
▲ 0.50% · 4.625%
HK$93,790
+HK$4,697/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,186/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,176
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,012
−HK$2,881/mo
Today · 4.125%
HK$96,893
baseline
▲ 0.50% · 4.625%
HK$102,789
+HK$5,896/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$193,786/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,432
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,152
−HK$2,760/mo
Today · 4.125%
HK$106,912
baseline
▲ 0.50% · 4.625%
HK$112,548
+HK$5,636/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$213,824/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,372
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,680
−HK$3,362/mo
Today · 4.125%
HK$113,042
baseline
▲ 0.50% · 4.625%
HK$119,920
+HK$6,878/mo
Deposit HK$10.00M · loan HK$23.32M · min. income ≈ HK$226,084/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,337
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,511
−HK$3,220/mo
Today · 4.125%
HK$124,731
baseline
▲ 0.50% · 4.625%
HK$131,306
+HK$6,575/mo
Deposit HK$10.00M · loan HK$23.32M · min. income ≈ HK$249,462/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,764
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$141,018
−HK$4,322/mo
Today · 4.125%
HK$145,340
baseline
▲ 0.50% · 4.625%
HK$154,183
+HK$8,843/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$290,680/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,148
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$156,229
−HK$4,139/mo
Today · 4.125%
HK$160,368
baseline
▲ 0.50% · 4.625%
HK$168,821
+HK$8,453/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$320,736/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,131 · Scale 2, in force from 26 Feb 2026)