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$67,277
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,370
−HK$2,126/mo
Today · 4.125%
HK$71,496
baseline
▲ 0.50% · 4.625%
HK$75,846
+HK$4,350/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,992/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,845
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,852
−HK$2,037/mo
Today · 4.125%
HK$78,889
baseline
▲ 0.50% · 4.625%
HK$83,047
+HK$4,158/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,778/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,732
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,244
−HK$2,551/mo
Today · 4.125%
HK$85,795
baseline
▲ 0.50% · 4.625%
HK$91,015
+HK$5,220/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,590/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,814
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,223
−HK$2,443/mo
Today · 4.125%
HK$94,666
baseline
▲ 0.50% · 4.625%
HK$99,656
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,332/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,188
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,118
−HK$2,976/mo
Today · 4.125%
HK$100,094
baseline
▲ 0.50% · 4.625%
HK$106,185
+HK$6,091/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,188/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,783
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,593
−HK$2,851/mo
Today · 4.125%
HK$110,444
baseline
▲ 0.50% · 4.625%
HK$116,266
+HK$5,822/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,888/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,099
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,865
−HK$3,828/mo
Today · 4.125%
HK$128,693
baseline
▲ 0.50% · 4.625%
HK$136,523
+HK$7,830/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,386/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,721
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,334
−HK$3,666/mo
Today · 4.125%
HK$142,000
baseline
▲ 0.50% · 4.625%
HK$149,485
+HK$7,485/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$284,000/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,926 · Scale 2, in force from 26 Feb 2026)