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$66,123
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,179
−HK$2,090/mo
Today · 4.125%
HK$70,269
baseline
▲ 0.50% · 4.625%
HK$74,545
+HK$4,276/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$1,232,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,561
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,534
−HK$2,001/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$1,232,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,347
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,815
−HK$2,508/mo
Today · 4.125%
HK$84,323
baseline
▲ 0.50% · 4.625%
HK$89,454
+HK$5,131/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,646/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,273
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,640
−HK$2,402/mo
Today · 4.125%
HK$93,042
baseline
▲ 0.50% · 4.625%
HK$97,946
+HK$4,904/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,084/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,572
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,451
−HK$2,926/mo
Today · 4.125%
HK$98,377
baseline
▲ 0.50% · 4.625%
HK$104,363
+HK$5,986/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,754/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,985
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,747
−HK$2,802/mo
Today · 4.125%
HK$108,549
baseline
▲ 0.50% · 4.625%
HK$114,271
+HK$5,722/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,098/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,021
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$122,723
−HK$3,762/mo
Today · 4.125%
HK$126,485
baseline
▲ 0.50% · 4.625%
HK$134,181
+HK$7,696/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$252,970/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,409
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,961
−HK$3,602/mo
Today · 4.125%
HK$139,563
baseline
▲ 0.50% · 4.625%
HK$146,920
+HK$7,357/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,126/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,412 · Scale 2, in force from 26 Feb 2026)