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$66,115
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,171
−HK$2,090/mo
Today · 4.125%
HK$70,261
baseline
▲ 0.50% · 4.625%
HK$74,536
+HK$4,275/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,522/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,552
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,525
−HK$2,001/mo
Today · 4.125%
HK$77,526
baseline
▲ 0.50% · 4.625%
HK$81,612
+HK$4,086/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,052/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,338
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,806
−HK$2,507/mo
Today · 4.125%
HK$84,313
baseline
▲ 0.50% · 4.625%
HK$89,443
+HK$5,130/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,626/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,262
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,630
−HK$2,401/mo
Today · 4.125%
HK$93,031
baseline
▲ 0.50% · 4.625%
HK$97,935
+HK$4,904/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,062/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,561
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,440
−HK$2,925/mo
Today · 4.125%
HK$98,365
baseline
▲ 0.50% · 4.625%
HK$104,350
+HK$5,985/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,730/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,973
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,734
−HK$2,802/mo
Today · 4.125%
HK$108,536
baseline
▲ 0.50% · 4.625%
HK$114,257
+HK$5,721/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,072/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,007
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,708
−HK$3,761/mo
Today · 4.125%
HK$126,469
baseline
▲ 0.50% · 4.625%
HK$134,165
+HK$7,696/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,938/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,394
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,944
−HK$3,602/mo
Today · 4.125%
HK$139,546
baseline
▲ 0.50% · 4.625%
HK$146,902
+HK$7,356/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,092/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,264 · Scale 2, in force from 26 Feb 2026)