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$67,273
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,366
−HK$2,126/mo
Today · 4.125%
HK$71,492
baseline
▲ 0.50% · 4.625%
HK$75,842
+HK$4,350/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,984/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,841
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,848
−HK$2,036/mo
Today · 4.125%
HK$78,884
baseline
▲ 0.50% · 4.625%
HK$83,042
+HK$4,158/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,768/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,728
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,239
−HK$2,551/mo
Today · 4.125%
HK$85,790
baseline
▲ 0.50% · 4.625%
HK$91,010
+HK$5,220/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,580/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,809
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,217
−HK$2,444/mo
Today · 4.125%
HK$94,661
baseline
▲ 0.50% · 4.625%
HK$99,651
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,322/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,182
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,112
−HK$2,977/mo
Today · 4.125%
HK$100,089
baseline
▲ 0.50% · 4.625%
HK$106,179
+HK$6,090/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,178/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,777
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,587
−HK$2,851/mo
Today · 4.125%
HK$110,438
baseline
▲ 0.50% · 4.625%
HK$116,259
+HK$5,821/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,876/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,092
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,858
−HK$3,827/mo
Today · 4.125%
HK$128,685
baseline
▲ 0.50% · 4.625%
HK$136,515
+HK$7,830/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,370/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,713
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$138,326
−HK$3,665/mo
Today · 4.125%
HK$141,991
baseline
▲ 0.50% · 4.625%
HK$149,476
+HK$7,485/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$283,982/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,855 · Scale 2, in force from 26 Feb 2026)