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$67,257
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,349
−HK$2,126/mo
Today · 4.125%
HK$71,475
baseline
▲ 0.50% · 4.625%
HK$75,824
+HK$4,349/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,950/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,823
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,830
−HK$2,036/mo
Today · 4.125%
HK$78,866
baseline
▲ 0.50% · 4.625%
HK$83,023
+HK$4,157/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,732/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,709
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,219
−HK$2,551/mo
Today · 4.125%
HK$85,770
baseline
▲ 0.50% · 4.625%
HK$90,989
+HK$5,219/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,540/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,788
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,196
−HK$2,443/mo
Today · 4.125%
HK$94,639
baseline
▲ 0.50% · 4.625%
HK$99,627
+HK$4,988/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,278/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,160
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,089
−HK$2,976/mo
Today · 4.125%
HK$100,065
baseline
▲ 0.50% · 4.625%
HK$106,154
+HK$6,089/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,130/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,752
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,562
−HK$2,850/mo
Today · 4.125%
HK$110,412
baseline
▲ 0.50% · 4.625%
HK$116,232
+HK$5,820/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,824/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,063
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$124,829
−HK$3,826/mo
Today · 4.125%
HK$128,655
baseline
▲ 0.50% · 4.625%
HK$136,483
+HK$7,828/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,310/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,682
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$138,294
−HK$3,664/mo
Today · 4.125%
HK$141,958
baseline
▲ 0.50% · 4.625%
HK$149,441
+HK$7,483/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$283,916/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,561 · Scale 2, in force from 26 Feb 2026)