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$67,270
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,363
−HK$2,125/mo
Today · 4.125%
HK$71,488
baseline
▲ 0.50% · 4.625%
HK$75,838
+HK$4,350/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,976/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,837
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,844
−HK$2,036/mo
Today · 4.125%
HK$78,880
baseline
▲ 0.50% · 4.625%
HK$83,038
+HK$4,158/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,760/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,724
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,235
−HK$2,551/mo
Today · 4.125%
HK$85,786
baseline
▲ 0.50% · 4.625%
HK$91,006
+HK$5,220/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,572/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,805
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,213
−HK$2,444/mo
Today · 4.125%
HK$94,657
baseline
▲ 0.50% · 4.625%
HK$99,646
+HK$4,989/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,314/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,178
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,108
−HK$2,976/mo
Today · 4.125%
HK$100,084
baseline
▲ 0.50% · 4.625%
HK$106,174
+HK$6,090/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,168/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,772
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,582
−HK$2,851/mo
Today · 4.125%
HK$110,433
baseline
▲ 0.50% · 4.625%
HK$116,254
+HK$5,821/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,866/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,086
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,853
−HK$3,826/mo
Today · 4.125%
HK$128,679
baseline
▲ 0.50% · 4.625%
HK$136,509
+HK$7,830/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,358/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,707
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$138,320
−HK$3,665/mo
Today · 4.125%
HK$141,985
baseline
▲ 0.50% · 4.625%
HK$149,469
+HK$7,484/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$283,970/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,796 · Scale 2, in force from 26 Feb 2026)