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$66,114
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,170
−HK$2,090/mo
Today · 4.125%
HK$70,260
baseline
▲ 0.50% · 4.625%
HK$74,535
+HK$4,275/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,520/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,551
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,001/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$81,611
+HK$4,086/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,337
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,804
−HK$2,508/mo
Today · 4.125%
HK$84,312
baseline
▲ 0.50% · 4.625%
HK$89,442
+HK$5,130/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,624/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,261
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,628
−HK$2,402/mo
Today · 4.125%
HK$93,030
baseline
▲ 0.50% · 4.625%
HK$97,933
+HK$4,903/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,060/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,559
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,438
−HK$2,926/mo
Today · 4.125%
HK$98,364
baseline
▲ 0.50% · 4.625%
HK$104,349
+HK$5,985/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,728/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,971
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,733
−HK$2,802/mo
Today · 4.125%
HK$108,535
baseline
▲ 0.50% · 4.625%
HK$114,256
+HK$5,721/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,070/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,005
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,707
−HK$3,761/mo
Today · 4.125%
HK$126,468
baseline
▲ 0.50% · 4.625%
HK$134,163
+HK$7,695/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,936/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,392
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,942
−HK$3,602/mo
Today · 4.125%
HK$139,544
baseline
▲ 0.50% · 4.625%
HK$146,900
+HK$7,356/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,088/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,246 · Scale 2, in force from 26 Feb 2026)