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$62,675
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,625
−HK$1,981/mo
Today · 4.125%
HK$66,606
baseline
▲ 0.50% · 4.625%
HK$70,659
+HK$4,053/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,212/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,726
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,596
−HK$1,897/mo
Today · 4.125%
HK$73,493
baseline
▲ 0.50% · 4.625%
HK$77,367
+HK$3,874/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,986/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,211
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,550
−HK$2,377/mo
Today · 4.125%
HK$79,927
baseline
▲ 0.50% · 4.625%
HK$84,790
+HK$4,863/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$159,854/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,671
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,915
−HK$2,276/mo
Today · 4.125%
HK$88,191
baseline
▲ 0.50% · 4.625%
HK$92,840
+HK$4,649/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$176,382/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,746
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,475
−HK$2,773/mo
Today · 4.125%
HK$93,248
baseline
▲ 0.50% · 4.625%
HK$98,922
+HK$5,674/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$186,496/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,616
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,234
−HK$2,656/mo
Today · 4.125%
HK$102,890
baseline
▲ 0.50% · 4.625%
HK$108,314
+HK$5,424/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$205,780/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,816
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$116,325
−HK$3,565/mo
Today · 4.125%
HK$119,890
baseline
▲ 0.50% · 4.625%
HK$127,185
+HK$7,295/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$239,780/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,507
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$128,873
−HK$3,414/mo
Today · 4.125%
HK$132,287
baseline
▲ 0.50% · 4.625%
HK$139,260
+HK$6,973/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$264,574/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,162 · Scale 2, in force from 26 Feb 2026)