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$62,726
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,677
−HK$1,982/mo
Today · 4.125%
HK$66,659
baseline
▲ 0.50% · 4.625%
HK$70,715
+HK$4,056/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,318/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,782
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,653
−HK$1,899/mo
Today · 4.125%
HK$73,552
baseline
▲ 0.50% · 4.625%
HK$77,429
+HK$3,877/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,104/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,271
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,612
−HK$2,379/mo
Today · 4.125%
HK$79,991
baseline
▲ 0.50% · 4.625%
HK$84,858
+HK$4,867/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,982/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,738
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,984
−HK$2,278/mo
Today · 4.125%
HK$88,262
baseline
▲ 0.50% · 4.625%
HK$92,915
+HK$4,653/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,524/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,816
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,547
−HK$2,776/mo
Today · 4.125%
HK$93,323
baseline
▲ 0.50% · 4.625%
HK$99,001
+HK$5,678/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$186,646/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,694
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,314
−HK$2,658/mo
Today · 4.125%
HK$102,972
baseline
▲ 0.50% · 4.625%
HK$108,400
+HK$5,428/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$205,944/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,906
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$116,418
−HK$3,568/mo
Today · 4.125%
HK$119,986
baseline
▲ 0.50% · 4.625%
HK$127,287
+HK$7,301/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$239,972/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,607
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,976
−HK$3,417/mo
Today · 4.125%
HK$132,393
baseline
▲ 0.50% · 4.625%
HK$139,372
+HK$6,979/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$264,786/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,097 · Scale 2, in force from 26 Feb 2026)