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$66,106
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,162
−HK$2,089/mo
Today · 4.125%
HK$70,251
baseline
▲ 0.50% · 4.625%
HK$74,526
+HK$4,275/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,502/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,542
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,515
−HK$2,000/mo
Today · 4.125%
HK$77,515
baseline
▲ 0.50% · 4.625%
HK$81,601
+HK$4,086/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,030/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,327
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,795
−HK$2,507/mo
Today · 4.125%
HK$84,302
baseline
▲ 0.50% · 4.625%
HK$89,431
+HK$5,129/mo
Deposit HK$11.60M · loan HK$17.39M · min. income ≈ HK$168,604/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,251
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,617
−HK$2,402/mo
Today · 4.125%
HK$93,019
baseline
▲ 0.50% · 4.625%
HK$97,922
+HK$4,903/mo
Deposit HK$11.60M · loan HK$17.39M · min. income ≈ HK$186,038/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,548
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,427
−HK$2,925/mo
Today · 4.125%
HK$98,352
baseline
▲ 0.50% · 4.625%
HK$104,336
+HK$5,984/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,704/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,959
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,720
−HK$2,802/mo
Today · 4.125%
HK$108,522
baseline
▲ 0.50% · 4.625%
HK$114,242
+HK$5,720/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$217,044/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,991
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,692
−HK$3,760/mo
Today · 4.125%
HK$126,452
baseline
▲ 0.50% · 4.625%
HK$134,147
+HK$7,695/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,904/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,376
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,926
−HK$3,602/mo
Today · 4.125%
HK$139,528
baseline
▲ 0.50% · 4.625%
HK$146,883
+HK$7,355/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,056/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,100 · Scale 2, in force from 26 Feb 2026)