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$75,985
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,349
−HK$2,401/mo
Today · 4.125%
HK$80,750
baseline
▲ 0.50% · 4.625%
HK$85,664
+HK$4,914/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,500/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,533
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,800
−HK$2,300/mo
Today · 4.125%
HK$89,100
baseline
▲ 0.50% · 4.625%
HK$93,797
+HK$4,697/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,200/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,182
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,019
−HK$2,881/mo
Today · 4.125%
HK$96,900
baseline
▲ 0.50% · 4.625%
HK$102,797
+HK$5,897/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$193,800/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,440
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,160
−HK$2,760/mo
Today · 4.125%
HK$106,920
baseline
▲ 0.50% · 4.625%
HK$112,556
+HK$5,636/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$213,840/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,379
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,689
−HK$3,361/mo
Today · 4.125%
HK$113,050
baseline
▲ 0.50% · 4.625%
HK$119,929
+HK$6,879/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$226,100/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,346
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,520
−HK$3,220/mo
Today · 4.125%
HK$124,740
baseline
▲ 0.50% · 4.625%
HK$131,315
+HK$6,575/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$249,480/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,774
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,028
−HK$4,323/mo
Today · 4.125%
HK$145,351
baseline
▲ 0.50% · 4.625%
HK$154,195
+HK$8,844/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$290,702/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,159
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,240
−HK$4,140/mo
Today · 4.125%
HK$160,380
baseline
▲ 0.50% · 4.625%
HK$168,834
+HK$8,454/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$320,760/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,235 · Scale 2, in force from 26 Feb 2026)