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$71,607
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,834
−HK$2,263/mo
Today · 4.125%
HK$76,097
baseline
▲ 0.50% · 4.625%
HK$80,727
+HK$4,630/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,194/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,662
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,798
−HK$2,167/mo
Today · 4.125%
HK$83,965
baseline
▲ 0.50% · 4.625%
HK$88,391
+HK$4,426/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,930/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,928
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,601
−HK$2,715/mo
Today · 4.125%
HK$91,316
baseline
▲ 0.50% · 4.625%
HK$96,873
+HK$5,557/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,632/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,594
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,158
−HK$2,601/mo
Today · 4.125%
HK$100,759
baseline
▲ 0.50% · 4.625%
HK$106,070
+HK$5,311/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,518/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,249
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,368
−HK$3,168/mo
Today · 4.125%
HK$106,536
baseline
▲ 0.50% · 4.625%
HK$113,018
+HK$6,482/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,072/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,526
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,517
−HK$3,035/mo
Today · 4.125%
HK$117,552
baseline
▲ 0.50% · 4.625%
HK$123,748
+HK$6,196/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,104/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,892
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,901
−HK$4,074/mo
Today · 4.125%
HK$136,975
baseline
▲ 0.50% · 4.625%
HK$145,309
+HK$8,334/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,950/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,391
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,237
−HK$3,901/mo
Today · 4.125%
HK$151,138
baseline
▲ 0.50% · 4.625%
HK$159,105
+HK$7,967/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,276/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,623 · Scale 2, in force from 26 Feb 2026)