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$62,731
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,682
−HK$1,982/mo
Today · 4.125%
HK$66,664
baseline
▲ 0.50% · 4.625%
HK$70,721
+HK$4,057/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,328/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,787
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,659
−HK$1,898/mo
Today · 4.125%
HK$73,557
baseline
▲ 0.50% · 4.625%
HK$77,435
+HK$3,878/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,114/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,277
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,618
−HK$2,379/mo
Today · 4.125%
HK$79,997
baseline
▲ 0.50% · 4.625%
HK$84,865
+HK$4,868/mo
Deposit HK$11.00M · loan HK$16.51M · min. income ≈ HK$159,994/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,745
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,990
−HK$2,279/mo
Today · 4.125%
HK$88,269
baseline
▲ 0.50% · 4.625%
HK$92,922
+HK$4,653/mo
Deposit HK$11.00M · loan HK$16.51M · min. income ≈ HK$176,538/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,823
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,555
−HK$2,775/mo
Today · 4.125%
HK$93,330
baseline
▲ 0.50% · 4.625%
HK$99,009
+HK$5,679/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$186,660/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,702
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,322
−HK$2,658/mo
Today · 4.125%
HK$102,980
baseline
▲ 0.50% · 4.625%
HK$108,409
+HK$5,429/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$205,960/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,915
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,427
−HK$3,569/mo
Today · 4.125%
HK$119,996
baseline
▲ 0.50% · 4.625%
HK$127,297
+HK$7,301/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$239,992/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,617
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,986
−HK$3,417/mo
Today · 4.125%
HK$132,403
baseline
▲ 0.50% · 4.625%
HK$139,383
+HK$6,980/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$264,806/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,188 · Scale 2, in force from 26 Feb 2026)