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$66,137
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,194
−HK$2,090/mo
Today · 4.125%
HK$70,284
baseline
▲ 0.50% · 4.625%
HK$74,561
+HK$4,277/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,568/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,576
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,550
−HK$2,001/mo
Today · 4.125%
HK$77,551
baseline
▲ 0.50% · 4.625%
HK$81,639
+HK$4,088/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,102/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,364
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,833
−HK$2,508/mo
Today · 4.125%
HK$84,341
baseline
▲ 0.50% · 4.625%
HK$89,473
+HK$5,132/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,682/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,292
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,660
−HK$2,402/mo
Today · 4.125%
HK$93,062
baseline
▲ 0.50% · 4.625%
HK$97,967
+HK$4,905/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,124/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,591
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,471
−HK$2,927/mo
Today · 4.125%
HK$98,398
baseline
▲ 0.50% · 4.625%
HK$104,385
+HK$5,987/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,796/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,007
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,770
−HK$2,802/mo
Today · 4.125%
HK$108,572
baseline
▲ 0.50% · 4.625%
HK$114,295
+HK$5,723/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,144/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,046
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,749
−HK$3,762/mo
Today · 4.125%
HK$126,511
baseline
▲ 0.50% · 4.625%
HK$134,209
+HK$7,698/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$253,022/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,438
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,989
−HK$3,604/mo
Today · 4.125%
HK$139,593
baseline
▲ 0.50% · 4.625%
HK$146,951
+HK$7,358/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,186/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,673 · Scale 2, in force from 26 Feb 2026)