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$62,723
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,674
−HK$1,982/mo
Today · 4.125%
HK$66,656
baseline
▲ 0.50% · 4.625%
HK$70,712
+HK$4,056/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,312/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,778
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$1,898/mo
Today · 4.125%
HK$73,548
baseline
▲ 0.50% · 4.625%
HK$77,425
+HK$3,877/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,096/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,267
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,608
−HK$2,379/mo
Today · 4.125%
HK$79,987
baseline
▲ 0.50% · 4.625%
HK$84,854
+HK$4,867/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,974/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,734
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,980
−HK$2,278/mo
Today · 4.125%
HK$88,258
baseline
▲ 0.50% · 4.625%
HK$92,910
+HK$4,652/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,516/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,812
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,543
−HK$2,775/mo
Today · 4.125%
HK$93,318
baseline
▲ 0.50% · 4.625%
HK$98,996
+HK$5,678/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,636/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,690
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,310
−HK$2,657/mo
Today · 4.125%
HK$102,967
baseline
▲ 0.50% · 4.625%
HK$108,395
+HK$5,428/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,934/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,901
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$116,412
−HK$3,569/mo
Today · 4.125%
HK$119,981
baseline
▲ 0.50% · 4.625%
HK$127,281
+HK$7,300/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$239,962/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,601
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,969
−HK$3,418/mo
Today · 4.125%
HK$132,387
baseline
▲ 0.50% · 4.625%
HK$139,365
+HK$6,978/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$264,774/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,040 · Scale 2, in force from 26 Feb 2026)