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$67,270
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,362
−HK$2,126/mo
Today · 4.125%
HK$71,488
baseline
▲ 0.50% · 4.625%
HK$75,838
+HK$4,350/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,976/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,837
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,844
−HK$2,036/mo
Today · 4.125%
HK$78,880
baseline
▲ 0.50% · 4.625%
HK$83,038
+HK$4,158/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,760/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,724
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,235
−HK$2,551/mo
Today · 4.125%
HK$85,786
baseline
▲ 0.50% · 4.625%
HK$91,006
+HK$5,220/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,572/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,804
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,213
−HK$2,443/mo
Today · 4.125%
HK$94,656
baseline
▲ 0.50% · 4.625%
HK$99,646
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,312/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,178
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,107
−HK$2,977/mo
Today · 4.125%
HK$100,084
baseline
▲ 0.50% · 4.625%
HK$106,173
+HK$6,089/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,168/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,772
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,582
−HK$2,850/mo
Today · 4.125%
HK$110,432
baseline
▲ 0.50% · 4.625%
HK$116,253
+HK$5,821/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,864/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,086
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,852
−HK$3,827/mo
Today · 4.125%
HK$128,679
baseline
▲ 0.50% · 4.625%
HK$136,509
+HK$7,830/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,358/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,707
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$138,319
−HK$3,665/mo
Today · 4.125%
HK$141,984
baseline
▲ 0.50% · 4.625%
HK$149,469
+HK$7,485/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$283,968/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,793 · Scale 2, in force from 26 Feb 2026)