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$75,965
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,328
−HK$2,401/mo
Today · 4.125%
HK$80,729
baseline
▲ 0.50% · 4.625%
HK$85,641
+HK$4,912/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,458/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,510
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,777
−HK$2,299/mo
Today · 4.125%
HK$89,076
baseline
▲ 0.50% · 4.625%
HK$93,771
+HK$4,695/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,152/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,158
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,993
−HK$2,881/mo
Today · 4.125%
HK$96,874
baseline
▲ 0.50% · 4.625%
HK$102,769
+HK$5,895/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$193,748/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,412
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,132
−HK$2,759/mo
Today · 4.125%
HK$106,891
baseline
▲ 0.50% · 4.625%
HK$112,526
+HK$5,635/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$213,782/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,351
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,659
−HK$3,361/mo
Today · 4.125%
HK$113,020
baseline
▲ 0.50% · 4.625%
HK$119,897
+HK$6,877/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$226,040/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,314
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,488
−HK$3,219/mo
Today · 4.125%
HK$124,707
baseline
▲ 0.50% · 4.625%
HK$131,280
+HK$6,573/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$249,414/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,737
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$140,990
−HK$4,322/mo
Today · 4.125%
HK$145,312
baseline
▲ 0.50% · 4.625%
HK$154,153
+HK$8,841/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$290,624/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,118
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$156,198
−HK$4,139/mo
Today · 4.125%
HK$160,337
baseline
▲ 0.50% · 4.625%
HK$168,789
+HK$8,452/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$320,674/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,855 · Scale 2, in force from 26 Feb 2026)