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$66,133
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,190
−HK$2,090/mo
Today · 4.125%
HK$70,280
baseline
▲ 0.50% · 4.625%
HK$74,556
+HK$4,276/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,560/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,572
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,002/mo
Today · 4.125%
HK$77,547
baseline
▲ 0.50% · 4.625%
HK$81,635
+HK$4,088/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,094/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,360
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,828
−HK$2,508/mo
Today · 4.125%
HK$84,336
baseline
▲ 0.50% · 4.625%
HK$89,468
+HK$5,132/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,672/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,287
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,654
−HK$2,403/mo
Today · 4.125%
HK$93,057
baseline
▲ 0.50% · 4.625%
HK$97,962
+HK$4,905/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,114/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,586
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,466
−HK$2,926/mo
Today · 4.125%
HK$98,392
baseline
▲ 0.50% · 4.625%
HK$104,379
+HK$5,987/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,784/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,001
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,764
−HK$2,802/mo
Today · 4.125%
HK$108,566
baseline
▲ 0.50% · 4.625%
HK$114,289
+HK$5,723/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,132/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,039
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,742
−HK$3,762/mo
Today · 4.125%
HK$126,504
baseline
▲ 0.50% · 4.625%
HK$134,202
+HK$7,698/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$253,008/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,430
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,982
−HK$3,603/mo
Today · 4.125%
HK$139,585
baseline
▲ 0.50% · 4.625%
HK$146,942
+HK$7,357/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,170/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,603 · Scale 2, in force from 26 Feb 2026)