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$67,243
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,335
−HK$2,125/mo
Today · 4.125%
HK$71,460
baseline
▲ 0.50% · 4.625%
HK$75,808
+HK$4,348/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,920/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,807
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,813
−HK$2,036/mo
Today · 4.125%
HK$78,849
baseline
▲ 0.50% · 4.625%
HK$83,005
+HK$4,156/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,698/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,692
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,202
−HK$2,550/mo
Today · 4.125%
HK$85,752
baseline
▲ 0.50% · 4.625%
HK$90,969
+HK$5,217/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$171,504/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,769
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,176
−HK$2,442/mo
Today · 4.125%
HK$94,618
baseline
▲ 0.50% · 4.625%
HK$99,606
+HK$4,988/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$189,236/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,140
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,068
−HK$2,976/mo
Today · 4.125%
HK$100,044
baseline
▲ 0.50% · 4.625%
HK$106,131
+HK$6,087/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$200,088/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,730
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,539
−HK$2,849/mo
Today · 4.125%
HK$110,388
baseline
▲ 0.50% · 4.625%
HK$116,207
+HK$5,819/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$220,776/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,037
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$124,802
−HK$3,825/mo
Today · 4.125%
HK$128,627
baseline
▲ 0.50% · 4.625%
HK$136,454
+HK$7,827/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$257,254/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,653
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$138,264
−HK$3,664/mo
Today · 4.125%
HK$141,928
baseline
▲ 0.50% · 4.625%
HK$149,409
+HK$7,481/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$283,856/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,292 · Scale 2, in force from 26 Feb 2026)