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$75,969
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,332
−HK$2,401/mo
Today · 4.125%
HK$80,733
baseline
▲ 0.50% · 4.625%
HK$85,646
+HK$4,913/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,466/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,515
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,782
−HK$2,299/mo
Today · 4.125%
HK$89,081
baseline
▲ 0.50% · 4.625%
HK$93,777
+HK$4,696/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,162/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,163
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$93,999
−HK$2,881/mo
Today · 4.125%
HK$96,880
baseline
▲ 0.50% · 4.625%
HK$102,775
+HK$5,895/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$193,760/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,418
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,138
−HK$2,759/mo
Today · 4.125%
HK$106,897
baseline
▲ 0.50% · 4.625%
HK$112,532
+HK$5,635/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$213,794/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,357
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,665
−HK$3,361/mo
Today · 4.125%
HK$113,026
baseline
▲ 0.50% · 4.625%
HK$119,904
+HK$6,878/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$226,052/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,321
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,494
−HK$3,219/mo
Today · 4.125%
HK$124,713
baseline
▲ 0.50% · 4.625%
HK$131,287
+HK$6,574/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$249,426/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,745
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$140,998
−HK$4,322/mo
Today · 4.125%
HK$145,320
baseline
▲ 0.50% · 4.625%
HK$154,162
+HK$8,842/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$290,640/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,127
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$156,207
−HK$4,139/mo
Today · 4.125%
HK$160,346
baseline
▲ 0.50% · 4.625%
HK$168,798
+HK$8,452/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$320,692/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,934 · Scale 2, in force from 26 Feb 2026)