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$67,254
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,346
−HK$2,125/mo
Today · 4.125%
HK$71,471
baseline
▲ 0.50% · 4.625%
HK$75,820
+HK$4,349/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,942/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,819
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,826
−HK$2,035/mo
Today · 4.125%
HK$78,861
baseline
▲ 0.50% · 4.625%
HK$83,018
+HK$4,157/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,722/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,704
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,215
−HK$2,550/mo
Today · 4.125%
HK$85,765
baseline
▲ 0.50% · 4.625%
HK$90,984
+HK$5,219/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,530/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,783
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,191
−HK$2,443/mo
Today · 4.125%
HK$94,634
baseline
▲ 0.50% · 4.625%
HK$99,622
+HK$4,988/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,268/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,155
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,084
−HK$2,976/mo
Today · 4.125%
HK$100,060
baseline
▲ 0.50% · 4.625%
HK$106,148
+HK$6,088/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,120/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,747
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,556
−HK$2,850/mo
Today · 4.125%
HK$110,406
baseline
▲ 0.50% · 4.625%
HK$116,225
+HK$5,819/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,812/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,057
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$124,822
−HK$3,826/mo
Today · 4.125%
HK$128,648
baseline
▲ 0.50% · 4.625%
HK$136,476
+HK$7,828/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$257,296/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,674
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$138,286
−HK$3,664/mo
Today · 4.125%
HK$141,950
baseline
▲ 0.50% · 4.625%
HK$149,433
+HK$7,483/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$283,900/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,492 · Scale 2, in force from 26 Feb 2026)