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$67,247
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,339
−HK$2,125/mo
Today · 4.125%
HK$71,464
baseline
▲ 0.50% · 4.625%
HK$75,812
+HK$4,348/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,928/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,811
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,818
−HK$2,035/mo
Today · 4.125%
HK$78,853
baseline
▲ 0.50% · 4.625%
HK$83,010
+HK$4,157/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,706/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,696
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,206
−HK$2,550/mo
Today · 4.125%
HK$85,756
baseline
▲ 0.50% · 4.625%
HK$90,975
+HK$5,219/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$171,512/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,774
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,181
−HK$2,443/mo
Today · 4.125%
HK$94,624
baseline
▲ 0.50% · 4.625%
HK$99,612
+HK$4,988/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$189,248/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,145
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,074
−HK$2,975/mo
Today · 4.125%
HK$100,049
baseline
▲ 0.50% · 4.625%
HK$106,137
+HK$6,088/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$200,098/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,736
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,545
−HK$2,849/mo
Today · 4.125%
HK$110,394
baseline
▲ 0.50% · 4.625%
HK$116,213
+HK$5,819/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$220,788/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,044
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$124,809
−HK$3,826/mo
Today · 4.125%
HK$128,635
baseline
▲ 0.50% · 4.625%
HK$136,462
+HK$7,827/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$257,270/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,660
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$138,272
−HK$3,664/mo
Today · 4.125%
HK$141,936
baseline
▲ 0.50% · 4.625%
HK$149,417
+HK$7,481/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$283,872/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,363 · Scale 2, in force from 26 Feb 2026)