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$66,136
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,193
−HK$2,090/mo
Today · 4.125%
HK$70,283
baseline
▲ 0.50% · 4.625%
HK$74,560
+HK$4,277/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,566/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,576
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,549
−HK$2,002/mo
Today · 4.125%
HK$77,551
baseline
▲ 0.50% · 4.625%
HK$81,639
+HK$4,088/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,102/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,363
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,832
−HK$2,508/mo
Today · 4.125%
HK$84,340
baseline
▲ 0.50% · 4.625%
HK$89,472
+HK$5,132/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,680/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,291
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,659
−HK$2,402/mo
Today · 4.125%
HK$93,061
baseline
▲ 0.50% · 4.625%
HK$97,966
+HK$4,905/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,122/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,591
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,471
−HK$2,926/mo
Today · 4.125%
HK$98,397
baseline
▲ 0.50% · 4.625%
HK$104,384
+HK$5,987/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,794/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,006
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,769
−HK$2,802/mo
Today · 4.125%
HK$108,571
baseline
▲ 0.50% · 4.625%
HK$114,294
+HK$5,723/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,142/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,045
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,748
−HK$3,762/mo
Today · 4.125%
HK$126,510
baseline
▲ 0.50% · 4.625%
HK$134,208
+HK$7,698/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$253,020/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,436
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$135,988
−HK$3,604/mo
Today · 4.125%
HK$139,592
baseline
▲ 0.50% · 4.625%
HK$146,950
+HK$7,358/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,184/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,663 · Scale 2, in force from 26 Feb 2026)