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$67,290
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,383
−HK$2,127/mo
Today · 4.125%
HK$71,510
baseline
▲ 0.50% · 4.625%
HK$75,861
+HK$4,351/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$143,020/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,860
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,867
−HK$2,037/mo
Today · 4.125%
HK$78,904
baseline
▲ 0.50% · 4.625%
HK$83,063
+HK$4,159/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,808/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,748
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,260
−HK$2,552/mo
Today · 4.125%
HK$85,812
baseline
▲ 0.50% · 4.625%
HK$91,033
+HK$5,221/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$171,624/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,832
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,241
−HK$2,444/mo
Today · 4.125%
HK$94,685
baseline
▲ 0.50% · 4.625%
HK$99,676
+HK$4,991/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$189,370/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,206
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,137
−HK$2,977/mo
Today · 4.125%
HK$100,114
baseline
▲ 0.50% · 4.625%
HK$106,206
+HK$6,092/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$200,228/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,804
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,614
−HK$2,852/mo
Today · 4.125%
HK$110,466
baseline
▲ 0.50% · 4.625%
HK$116,289
+HK$5,823/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$220,932/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,122
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,890
−HK$3,828/mo
Today · 4.125%
HK$128,718
baseline
▲ 0.50% · 4.625%
HK$136,550
+HK$7,832/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,436/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,748
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,361
−HK$3,667/mo
Today · 4.125%
HK$142,028
baseline
▲ 0.50% · 4.625%
HK$149,514
+HK$7,486/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,056/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,174 · Scale 2, in force from 26 Feb 2026)