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$66,139
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,196
−HK$2,090/mo
Today · 4.125%
HK$70,286
baseline
▲ 0.50% · 4.625%
HK$74,563
+HK$4,277/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,572/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,579
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,552
−HK$2,002/mo
Today · 4.125%
HK$77,554
baseline
▲ 0.50% · 4.625%
HK$81,642
+HK$4,088/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,108/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,366
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,835
−HK$2,508/mo
Today · 4.125%
HK$84,343
baseline
▲ 0.50% · 4.625%
HK$89,476
+HK$5,133/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,686/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,294
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,662
−HK$2,403/mo
Today · 4.125%
HK$93,065
baseline
▲ 0.50% · 4.625%
HK$97,970
+HK$4,905/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,130/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,594
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,474
−HK$2,927/mo
Today · 4.125%
HK$98,401
baseline
▲ 0.50% · 4.625%
HK$104,388
+HK$5,987/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,802/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,010
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,773
−HK$2,802/mo
Today · 4.125%
HK$108,575
baseline
▲ 0.50% · 4.625%
HK$114,299
+HK$5,724/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,150/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,050
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,753
−HK$3,762/mo
Today · 4.125%
HK$126,515
baseline
▲ 0.50% · 4.625%
HK$134,213
+HK$7,698/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$253,030/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,442
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,994
−HK$3,603/mo
Today · 4.125%
HK$139,597
baseline
▲ 0.50% · 4.625%
HK$146,955
+HK$7,358/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,194/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,711 · Scale 2, in force from 26 Feb 2026)