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$67,279
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,372
−HK$2,126/mo
Today · 4.125%
HK$71,498
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$4,351/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,996/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,848
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,855
−HK$2,036/mo
Today · 4.125%
HK$78,891
baseline
▲ 0.50% · 4.625%
HK$83,050
+HK$4,159/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,782/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,735
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,246
−HK$2,552/mo
Today · 4.125%
HK$85,798
baseline
▲ 0.50% · 4.625%
HK$91,019
+HK$5,221/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,596/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,817
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,226
−HK$2,444/mo
Today · 4.125%
HK$94,670
baseline
▲ 0.50% · 4.625%
HK$99,660
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,340/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,191
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,121
−HK$2,977/mo
Today · 4.125%
HK$100,098
baseline
▲ 0.50% · 4.625%
HK$106,188
+HK$6,090/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,196/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,787
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,597
−HK$2,851/mo
Today · 4.125%
HK$110,448
baseline
▲ 0.50% · 4.625%
HK$116,270
+HK$5,822/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,896/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,103
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,870
−HK$3,827/mo
Today · 4.125%
HK$128,697
baseline
▲ 0.50% · 4.625%
HK$136,528
+HK$7,831/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,394/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,726
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$138,339
−HK$3,665/mo
Today · 4.125%
HK$142,004
baseline
▲ 0.50% · 4.625%
HK$149,490
+HK$7,486/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$284,008/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,969 · Scale 2, in force from 26 Feb 2026)