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$62,711
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,662
−HK$1,982/mo
Today · 4.125%
HK$66,644
baseline
▲ 0.50% · 4.625%
HK$70,699
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,288/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,766
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,637
−HK$1,898/mo
Today · 4.125%
HK$73,535
baseline
▲ 0.50% · 4.625%
HK$77,411
+HK$3,876/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,070/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,254
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,595
−HK$2,378/mo
Today · 4.125%
HK$79,973
baseline
▲ 0.50% · 4.625%
HK$84,839
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,946/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,719
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,964
−HK$2,278/mo
Today · 4.125%
HK$88,242
baseline
▲ 0.50% · 4.625%
HK$92,894
+HK$4,652/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,484/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,796
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,527
−HK$2,775/mo
Today · 4.125%
HK$93,302
baseline
▲ 0.50% · 4.625%
HK$98,979
+HK$5,677/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,604/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,672
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,292
−HK$2,657/mo
Today · 4.125%
HK$102,949
baseline
▲ 0.50% · 4.625%
HK$108,376
+HK$5,427/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,898/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,881
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,392
−HK$3,567/mo
Today · 4.125%
HK$119,959
baseline
▲ 0.50% · 4.625%
HK$127,259
+HK$7,300/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,918/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,579
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,947
−HK$3,416/mo
Today · 4.125%
HK$132,363
baseline
▲ 0.50% · 4.625%
HK$139,340
+HK$6,977/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,726/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,833 · Scale 2, in force from 26 Feb 2026)