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$61,587
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,503
−HK$1,946/mo
Today · 4.125%
HK$65,449
baseline
▲ 0.50% · 4.625%
HK$69,432
+HK$3,983/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,898/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,515
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,353
−HK$1,864/mo
Today · 4.125%
HK$72,217
baseline
▲ 0.50% · 4.625%
HK$76,024
+HK$3,807/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,434/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,905
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,204
−HK$2,335/mo
Today · 4.125%
HK$78,539
baseline
▲ 0.50% · 4.625%
HK$83,318
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$157,078/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,218
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,423
−HK$2,237/mo
Today · 4.125%
HK$86,660
baseline
▲ 0.50% · 4.625%
HK$91,228
+HK$4,568/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$173,320/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,222
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,904
−HK$2,725/mo
Today · 4.125%
HK$91,629
baseline
▲ 0.50% · 4.625%
HK$97,204
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,258/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,921
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,494
−HK$2,610/mo
Today · 4.125%
HK$101,104
baseline
▲ 0.50% · 4.625%
HK$106,433
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,208/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,857
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,305
−HK$3,504/mo
Today · 4.125%
HK$117,809
baseline
▲ 0.50% · 4.625%
HK$124,977
+HK$7,168/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,618/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,327
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$126,635
−HK$3,355/mo
Today · 4.125%
HK$129,990
baseline
▲ 0.50% · 4.625%
HK$136,842
+HK$6,852/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$259,980/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,880 · Scale 2, in force from 26 Feb 2026)