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$61,546
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,461
−HK$1,945/mo
Today · 4.125%
HK$65,406
baseline
▲ 0.50% · 4.625%
HK$69,386
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,812/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,470
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,306
−HK$1,863/mo
Today · 4.125%
HK$72,169
baseline
▲ 0.50% · 4.625%
HK$75,973
+HK$3,804/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,338/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,856
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,153
−HK$2,334/mo
Today · 4.125%
HK$78,487
baseline
▲ 0.50% · 4.625%
HK$83,263
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$156,974/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,164
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,367
−HK$2,236/mo
Today · 4.125%
HK$86,603
baseline
▲ 0.50% · 4.625%
HK$91,168
+HK$4,565/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$173,206/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,165
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,845
−HK$2,723/mo
Today · 4.125%
HK$91,568
baseline
▲ 0.50% · 4.625%
HK$97,140
+HK$5,572/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,136/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,857
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,428
−HK$2,608/mo
Today · 4.125%
HK$101,036
baseline
▲ 0.50% · 4.625%
HK$106,362
+HK$5,326/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,072/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,783
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,229
−HK$3,501/mo
Today · 4.125%
HK$117,730
baseline
▲ 0.50% · 4.625%
HK$124,894
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,460/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,245
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,551
−HK$3,353/mo
Today · 4.125%
HK$129,904
baseline
▲ 0.50% · 4.625%
HK$136,751
+HK$6,847/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,808/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,116 · Scale 2, in force from 26 Feb 2026)