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$67,248
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,340
−HK$2,125/mo
Today · 4.125%
HK$71,465
baseline
▲ 0.50% · 4.625%
HK$75,813
+HK$4,348/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,930/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,813
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,819
−HK$2,036/mo
Today · 4.125%
HK$78,855
baseline
▲ 0.50% · 4.625%
HK$83,011
+HK$4,156/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,710/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,698
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,208
−HK$2,550/mo
Today · 4.125%
HK$85,758
baseline
▲ 0.50% · 4.625%
HK$90,976
+HK$5,218/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$171,516/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,775
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,183
−HK$2,442/mo
Today · 4.125%
HK$94,625
baseline
▲ 0.50% · 4.625%
HK$99,613
+HK$4,988/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$189,250/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,147
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,076
−HK$2,975/mo
Today · 4.125%
HK$100,051
baseline
▲ 0.50% · 4.625%
HK$106,139
+HK$6,088/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$200,102/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,738
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,547
−HK$2,849/mo
Today · 4.125%
HK$110,396
baseline
▲ 0.50% · 4.625%
HK$116,215
+HK$5,819/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$220,792/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,046
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$124,811
−HK$3,826/mo
Today · 4.125%
HK$128,637
baseline
▲ 0.50% · 4.625%
HK$136,464
+HK$7,827/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$257,274/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,663
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$138,274
−HK$3,664/mo
Today · 4.125%
HK$141,938
baseline
▲ 0.50% · 4.625%
HK$149,420
+HK$7,482/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$283,876/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,384 · Scale 2, in force from 26 Feb 2026)