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$75,958
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,321
−HK$2,400/mo
Today · 4.125%
HK$80,721
baseline
▲ 0.50% · 4.625%
HK$85,633
+HK$4,912/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,442/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,503
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,769
−HK$2,299/mo
Today · 4.125%
HK$89,068
baseline
▲ 0.50% · 4.625%
HK$93,763
+HK$4,695/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,136/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,150
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,985
−HK$2,881/mo
Today · 4.125%
HK$96,866
baseline
▲ 0.50% · 4.625%
HK$102,760
+HK$5,894/mo
Deposit HK$13.32M · loan HK$19.99M · min. income ≈ HK$193,732/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,403
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,123
−HK$2,759/mo
Today · 4.125%
HK$106,882
baseline
▲ 0.50% · 4.625%
HK$112,515
+HK$5,633/mo
Deposit HK$13.32M · loan HK$19.99M · min. income ≈ HK$213,764/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,341
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,649
−HK$3,361/mo
Today · 4.125%
HK$113,010
baseline
▲ 0.50% · 4.625%
HK$119,886
+HK$6,876/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$226,020/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,304
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,476
−HK$3,219/mo
Today · 4.125%
HK$124,695
baseline
▲ 0.50% · 4.625%
HK$131,268
+HK$6,573/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$249,390/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,725
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$140,977
−HK$4,321/mo
Today · 4.125%
HK$145,298
baseline
▲ 0.50% · 4.625%
HK$154,139
+HK$8,841/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$290,596/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,105
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,184
−HK$4,138/mo
Today · 4.125%
HK$160,322
baseline
▲ 0.50% · 4.625%
HK$168,773
+HK$8,451/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$320,644/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,726 · Scale 2, in force from 26 Feb 2026)