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$67,283
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,376
−HK$2,126/mo
Today · 4.125%
HK$71,502
baseline
▲ 0.50% · 4.625%
HK$75,853
+HK$4,351/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$143,004/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,851
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,859
−HK$2,036/mo
Today · 4.125%
HK$78,895
baseline
▲ 0.50% · 4.625%
HK$83,054
+HK$4,159/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,790/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,739
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,251
−HK$2,551/mo
Today · 4.125%
HK$85,802
baseline
▲ 0.50% · 4.625%
HK$91,023
+HK$5,221/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,604/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,822
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,231
−HK$2,443/mo
Today · 4.125%
HK$94,674
baseline
▲ 0.50% · 4.625%
HK$99,665
+HK$4,991/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,348/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,196
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,126
−HK$2,977/mo
Today · 4.125%
HK$100,103
baseline
▲ 0.50% · 4.625%
HK$106,194
+HK$6,091/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,206/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,792
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,602
−HK$2,851/mo
Today · 4.125%
HK$110,453
baseline
▲ 0.50% · 4.625%
HK$116,276
+HK$5,823/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,906/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,109
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,876
−HK$3,827/mo
Today · 4.125%
HK$128,703
baseline
▲ 0.50% · 4.625%
HK$136,535
+HK$7,832/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,406/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,732
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,346
−HK$3,666/mo
Today · 4.125%
HK$142,012
baseline
▲ 0.50% · 4.625%
HK$149,497
+HK$7,485/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,024/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,254,033 · Scale 2, in force from 26 Feb 2026)