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$62,707
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,657
−HK$1,982/mo
Today · 4.125%
HK$66,639
baseline
▲ 0.50% · 4.625%
HK$70,694
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,278/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,760
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,631
−HK$1,898/mo
Today · 4.125%
HK$73,529
baseline
▲ 0.50% · 4.625%
HK$77,405
+HK$3,876/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,058/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,248
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,588
−HK$2,379/mo
Today · 4.125%
HK$79,967
baseline
▲ 0.50% · 4.625%
HK$84,832
+HK$4,865/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,934/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,712
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,958
−HK$2,277/mo
Today · 4.125%
HK$88,235
baseline
▲ 0.50% · 4.625%
HK$92,886
+HK$4,651/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,470/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,789
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,520
−HK$2,774/mo
Today · 4.125%
HK$93,294
baseline
▲ 0.50% · 4.625%
HK$98,971
+HK$5,677/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,588/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,665
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,284
−HK$2,657/mo
Today · 4.125%
HK$102,941
baseline
▲ 0.50% · 4.625%
HK$108,367
+HK$5,426/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,882/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,872
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,383
−HK$3,567/mo
Today · 4.125%
HK$119,950
baseline
▲ 0.50% · 4.625%
HK$127,248
+HK$7,298/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,900/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,569
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,936
−HK$3,417/mo
Today · 4.125%
HK$132,353
baseline
▲ 0.50% · 4.625%
HK$139,329
+HK$6,976/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,706/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,741 · Scale 2, in force from 26 Feb 2026)