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$66,124
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,181
−HK$2,090/mo
Today · 4.125%
HK$70,271
baseline
▲ 0.50% · 4.625%
HK$74,547
+HK$4,276/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,542/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,563
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,535
−HK$2,002/mo
Today · 4.125%
HK$77,537
baseline
▲ 0.50% · 4.625%
HK$81,624
+HK$4,087/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,074/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,349
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,817
−HK$2,508/mo
Today · 4.125%
HK$84,325
baseline
▲ 0.50% · 4.625%
HK$89,456
+HK$5,131/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,650/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,275
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,643
−HK$2,401/mo
Today · 4.125%
HK$93,044
baseline
▲ 0.50% · 4.625%
HK$97,949
+HK$4,905/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,088/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,574
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,453
−HK$2,926/mo
Today · 4.125%
HK$98,379
baseline
▲ 0.50% · 4.625%
HK$104,365
+HK$5,986/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,758/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,988
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,750
−HK$2,802/mo
Today · 4.125%
HK$108,552
baseline
▲ 0.50% · 4.625%
HK$114,274
+HK$5,722/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,104/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,024
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,726
−HK$3,761/mo
Today · 4.125%
HK$126,487
baseline
▲ 0.50% · 4.625%
HK$134,184
+HK$7,697/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$252,974/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,413
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,964
−HK$3,602/mo
Today · 4.125%
HK$139,566
baseline
▲ 0.50% · 4.625%
HK$146,923
+HK$7,357/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,132/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,441 · Scale 2, in force from 26 Feb 2026)