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$66,109
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,166
−HK$2,089/mo
Today · 4.125%
HK$70,255
baseline
▲ 0.50% · 4.625%
HK$74,530
+HK$4,275/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,510/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,546
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,518
−HK$2,001/mo
Today · 4.125%
HK$77,519
baseline
▲ 0.50% · 4.625%
HK$81,605
+HK$4,086/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,038/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,331
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,799
−HK$2,507/mo
Today · 4.125%
HK$84,306
baseline
▲ 0.50% · 4.625%
HK$89,436
+HK$5,130/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,612/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,255
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,622
−HK$2,401/mo
Today · 4.125%
HK$93,023
baseline
▲ 0.50% · 4.625%
HK$97,927
+HK$4,904/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,046/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,553
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,432
−HK$2,925/mo
Today · 4.125%
HK$98,357
baseline
▲ 0.50% · 4.625%
HK$104,342
+HK$5,985/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,714/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,964
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,726
−HK$2,801/mo
Today · 4.125%
HK$108,527
baseline
▲ 0.50% · 4.625%
HK$114,248
+HK$5,721/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$217,054/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,997
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,698
−HK$3,761/mo
Today · 4.125%
HK$126,459
baseline
▲ 0.50% · 4.625%
HK$134,153
+HK$7,694/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,918/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,382
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,933
−HK$3,602/mo
Today · 4.125%
HK$139,535
baseline
▲ 0.50% · 4.625%
HK$146,890
+HK$7,355/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,070/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,161 · Scale 2, in force from 26 Feb 2026)