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$67,278
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,371
−HK$2,126/mo
Today · 4.125%
HK$71,497
baseline
▲ 0.50% · 4.625%
HK$75,848
+HK$4,351/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,994/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,846
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,854
−HK$2,036/mo
Today · 4.125%
HK$78,890
baseline
▲ 0.50% · 4.625%
HK$83,049
+HK$4,159/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,780/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,734
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,245
−HK$2,552/mo
Today · 4.125%
HK$85,797
baseline
▲ 0.50% · 4.625%
HK$91,017
+HK$5,220/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,594/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,816
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,225
−HK$2,443/mo
Today · 4.125%
HK$94,668
baseline
▲ 0.50% · 4.625%
HK$99,658
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,336/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,190
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,120
−HK$2,976/mo
Today · 4.125%
HK$100,096
baseline
▲ 0.50% · 4.625%
HK$106,187
+HK$6,091/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,192/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,785
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,595
−HK$2,851/mo
Today · 4.125%
HK$110,446
baseline
▲ 0.50% · 4.625%
HK$116,268
+HK$5,822/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,892/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,101
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,868
−HK$3,827/mo
Today · 4.125%
HK$128,695
baseline
▲ 0.50% · 4.625%
HK$136,526
+HK$7,831/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,390/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,724
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$138,337
−HK$3,665/mo
Today · 4.125%
HK$142,002
baseline
▲ 0.50% · 4.625%
HK$149,488
+HK$7,486/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$284,004/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,952 · Scale 2, in force from 26 Feb 2026)