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$67,289
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,382
−HK$2,127/mo
Today · 4.125%
HK$71,509
baseline
▲ 0.50% · 4.625%
HK$75,860
+HK$4,351/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$143,018/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,859
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,866
−HK$2,037/mo
Today · 4.125%
HK$78,903
baseline
▲ 0.50% · 4.625%
HK$83,062
+HK$4,159/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,806/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,747
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,259
−HK$2,552/mo
Today · 4.125%
HK$85,811
baseline
▲ 0.50% · 4.625%
HK$91,032
+HK$5,221/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$171,622/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,830
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,239
−HK$2,444/mo
Today · 4.125%
HK$94,683
baseline
▲ 0.50% · 4.625%
HK$99,674
+HK$4,991/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$189,366/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,205
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,135
−HK$2,977/mo
Today · 4.125%
HK$100,112
baseline
▲ 0.50% · 4.625%
HK$106,204
+HK$6,092/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$200,224/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,802
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,613
−HK$2,851/mo
Today · 4.125%
HK$110,464
baseline
▲ 0.50% · 4.625%
HK$116,287
+HK$5,823/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$220,928/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,120
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,888
−HK$3,828/mo
Today · 4.125%
HK$128,716
baseline
▲ 0.50% · 4.625%
HK$136,548
+HK$7,832/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,432/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,745
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,359
−HK$3,666/mo
Today · 4.125%
HK$142,025
baseline
▲ 0.50% · 4.625%
HK$149,512
+HK$7,487/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,050/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,153 · Scale 2, in force from 26 Feb 2026)