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$61,584
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,500
−HK$1,946/mo
Today · 4.125%
HK$65,446
baseline
▲ 0.50% · 4.625%
HK$69,428
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,892/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,511
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$1,864/mo
Today · 4.125%
HK$72,213
baseline
▲ 0.50% · 4.625%
HK$76,019
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,426/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,901
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,199
−HK$2,336/mo
Today · 4.125%
HK$78,535
baseline
▲ 0.50% · 4.625%
HK$83,314
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,070/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,214
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,419
−HK$2,237/mo
Today · 4.125%
HK$86,656
baseline
▲ 0.50% · 4.625%
HK$91,223
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,312/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,217
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,899
−HK$2,725/mo
Today · 4.125%
HK$91,624
baseline
▲ 0.50% · 4.625%
HK$97,199
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,248/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,916
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,488
−HK$2,610/mo
Today · 4.125%
HK$101,098
baseline
▲ 0.50% · 4.625%
HK$106,427
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,196/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,851
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,299
−HK$3,503/mo
Today · 4.125%
HK$117,802
baseline
▲ 0.50% · 4.625%
HK$124,970
+HK$7,168/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,604/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,321
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,628
−HK$3,355/mo
Today · 4.125%
HK$129,983
baseline
▲ 0.50% · 4.625%
HK$136,835
+HK$6,852/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$259,966/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,817 · Scale 2, in force from 26 Feb 2026)