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$62,692
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,642
−HK$1,981/mo
Today · 4.125%
HK$66,623
baseline
▲ 0.50% · 4.625%
HK$70,677
+HK$4,054/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,246/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,744
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,615
−HK$1,897/mo
Today · 4.125%
HK$73,512
baseline
▲ 0.50% · 4.625%
HK$77,387
+HK$3,875/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,024/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,230
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,570
−HK$2,378/mo
Today · 4.125%
HK$79,948
baseline
▲ 0.50% · 4.625%
HK$84,813
+HK$4,865/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,896/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,693
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,938
−HK$2,277/mo
Today · 4.125%
HK$88,215
baseline
▲ 0.50% · 4.625%
HK$92,864
+HK$4,649/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,430/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,769
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,499
−HK$2,774/mo
Today · 4.125%
HK$93,273
baseline
▲ 0.50% · 4.625%
HK$98,948
+HK$5,675/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,546/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,642
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,260
−HK$2,657/mo
Today · 4.125%
HK$102,917
baseline
▲ 0.50% · 4.625%
HK$108,342
+HK$5,425/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,834/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,845
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$116,356
−HK$3,566/mo
Today · 4.125%
HK$119,922
baseline
▲ 0.50% · 4.625%
HK$127,219
+HK$7,297/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$239,844/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,539
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,906
−HK$3,416/mo
Today · 4.125%
HK$132,322
baseline
▲ 0.50% · 4.625%
HK$139,297
+HK$6,975/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$264,644/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,468 · Scale 2, in force from 26 Feb 2026)