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$66,118
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,175
−HK$2,089/mo
Today · 4.125%
HK$70,264
baseline
▲ 0.50% · 4.625%
HK$74,539
+HK$4,275/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,528/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,555
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,528
−HK$2,001/mo
Today · 4.125%
HK$77,529
baseline
▲ 0.50% · 4.625%
HK$81,616
+HK$4,087/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,058/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,341
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,809
−HK$2,508/mo
Today · 4.125%
HK$84,317
baseline
▲ 0.50% · 4.625%
HK$89,447
+HK$5,130/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,634/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,267
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,634
−HK$2,401/mo
Today · 4.125%
HK$93,035
baseline
▲ 0.50% · 4.625%
HK$97,939
+HK$4,904/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,070/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,565
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,444
−HK$2,926/mo
Today · 4.125%
HK$98,370
baseline
▲ 0.50% · 4.625%
HK$104,355
+HK$5,985/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,740/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,978
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,739
−HK$2,802/mo
Today · 4.125%
HK$108,541
baseline
▲ 0.50% · 4.625%
HK$114,263
+HK$5,722/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,082/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,012
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,714
−HK$3,761/mo
Today · 4.125%
HK$126,475
baseline
▲ 0.50% · 4.625%
HK$134,171
+HK$7,696/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$252,950/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,400
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,951
−HK$3,602/mo
Today · 4.125%
HK$139,553
baseline
▲ 0.50% · 4.625%
HK$146,909
+HK$7,356/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,106/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,322 · Scale 2, in force from 26 Feb 2026)