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$67,281
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,374
−HK$2,126/mo
Today · 4.125%
HK$71,500
baseline
▲ 0.50% · 4.625%
HK$75,850
+HK$4,350/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$143,000/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,849
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,857
−HK$2,036/mo
Today · 4.125%
HK$78,893
baseline
▲ 0.50% · 4.625%
HK$83,052
+HK$4,159/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,786/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,737
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,248
−HK$2,552/mo
Today · 4.125%
HK$85,800
baseline
▲ 0.50% · 4.625%
HK$91,021
+HK$5,221/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,600/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,819
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,228
−HK$2,444/mo
Today · 4.125%
HK$94,672
baseline
▲ 0.50% · 4.625%
HK$99,662
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,344/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,193
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,123
−HK$2,977/mo
Today · 4.125%
HK$100,100
baseline
▲ 0.50% · 4.625%
HK$106,191
+HK$6,091/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,200/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,789
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,599
−HK$2,851/mo
Today · 4.125%
HK$110,450
baseline
▲ 0.50% · 4.625%
HK$116,272
+HK$5,822/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,900/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,105
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$124,872
−HK$3,828/mo
Today · 4.125%
HK$128,700
baseline
▲ 0.50% · 4.625%
HK$136,531
+HK$7,831/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,400/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,728
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,342
−HK$3,665/mo
Today · 4.125%
HK$142,007
baseline
▲ 0.50% · 4.625%
HK$149,493
+HK$7,486/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,014/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,996 · Scale 2, in force from 26 Feb 2026)