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$66,122
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,179
−HK$2,090/mo
Today · 4.125%
HK$70,269
baseline
▲ 0.50% · 4.625%
HK$74,544
+HK$4,275/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,538/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,560
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,533
−HK$2,002/mo
Today · 4.125%
HK$77,535
baseline
▲ 0.50% · 4.625%
HK$81,622
+HK$4,087/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,070/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,347
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,815
−HK$2,507/mo
Today · 4.125%
HK$84,322
baseline
▲ 0.50% · 4.625%
HK$89,453
+HK$5,131/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,644/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,272
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,640
−HK$2,401/mo
Today · 4.125%
HK$93,041
baseline
▲ 0.50% · 4.625%
HK$97,946
+HK$4,905/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,082/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,571
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,451
−HK$2,925/mo
Today · 4.125%
HK$98,376
baseline
▲ 0.50% · 4.625%
HK$104,362
+HK$5,986/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,752/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,984
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,746
−HK$2,802/mo
Today · 4.125%
HK$108,548
baseline
▲ 0.50% · 4.625%
HK$114,270
+HK$5,722/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,096/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,020
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$122,722
−HK$3,762/mo
Today · 4.125%
HK$126,484
baseline
▲ 0.50% · 4.625%
HK$134,180
+HK$7,696/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$252,968/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,409
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,960
−HK$3,602/mo
Today · 4.125%
HK$139,562
baseline
▲ 0.50% · 4.625%
HK$146,919
+HK$7,357/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,124/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,404 · Scale 2, in force from 26 Feb 2026)