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$66,112
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,169
−HK$2,089/mo
Today · 4.125%
HK$70,258
baseline
▲ 0.50% · 4.625%
HK$74,533
+HK$4,275/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,516/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,549
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,522
−HK$2,001/mo
Today · 4.125%
HK$77,523
baseline
▲ 0.50% · 4.625%
HK$81,609
+HK$4,086/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,046/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,334
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,802
−HK$2,507/mo
Today · 4.125%
HK$84,309
baseline
▲ 0.50% · 4.625%
HK$89,439
+HK$5,130/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,618/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,259
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,626
−HK$2,401/mo
Today · 4.125%
HK$93,027
baseline
▲ 0.50% · 4.625%
HK$97,931
+HK$4,904/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,054/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,557
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,436
−HK$2,925/mo
Today · 4.125%
HK$98,361
baseline
▲ 0.50% · 4.625%
HK$104,346
+HK$5,985/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,722/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,969
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,730
−HK$2,802/mo
Today · 4.125%
HK$108,532
baseline
▲ 0.50% · 4.625%
HK$114,253
+HK$5,721/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,064/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,002
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,703
−HK$3,761/mo
Today · 4.125%
HK$126,464
baseline
▲ 0.50% · 4.625%
HK$134,159
+HK$7,695/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,928/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,388
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,939
−HK$3,602/mo
Today · 4.125%
HK$139,541
baseline
▲ 0.50% · 4.625%
HK$146,896
+HK$7,355/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,082/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,214 · Scale 2, in force from 26 Feb 2026)