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$75,976
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,339
−HK$2,401/mo
Today · 4.125%
HK$80,740
baseline
▲ 0.50% · 4.625%
HK$85,653
+HK$4,913/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$161,480/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,523
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,789
−HK$2,300/mo
Today · 4.125%
HK$89,089
baseline
▲ 0.50% · 4.625%
HK$93,785
+HK$4,696/mo
Deposit HK$16.66M · loan HK$16.66M · min. income ≈ HK$178,178/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,171
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,007
−HK$2,881/mo
Today · 4.125%
HK$96,888
baseline
▲ 0.50% · 4.625%
HK$102,784
+HK$5,896/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$193,776/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,427
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,147
−HK$2,760/mo
Today · 4.125%
HK$106,907
baseline
▲ 0.50% · 4.625%
HK$112,542
+HK$5,635/mo
Deposit HK$13.33M · loan HK$19.99M · min. income ≈ HK$213,814/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,366
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,675
−HK$3,362/mo
Today · 4.125%
HK$113,037
baseline
▲ 0.50% · 4.625%
HK$119,915
+HK$6,878/mo
Deposit HK$10.00M · loan HK$23.32M · min. income ≈ HK$226,074/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,332
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,505
−HK$3,220/mo
Today · 4.125%
HK$124,725
baseline
▲ 0.50% · 4.625%
HK$131,299
+HK$6,574/mo
Deposit HK$10.00M · loan HK$23.32M · min. income ≈ HK$249,450/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,757
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$141,011
−HK$4,322/mo
Today · 4.125%
HK$145,333
baseline
▲ 0.50% · 4.625%
HK$154,176
+HK$8,843/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$290,666/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,141
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$156,221
−HK$4,139/mo
Today · 4.125%
HK$160,360
baseline
▲ 0.50% · 4.625%
HK$168,813
+HK$8,453/mo
Deposit HK$3.33M · loan HK$29.99M · min. income ≈ HK$320,720/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,060 · Scale 2, in force from 26 Feb 2026)