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$61,576
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,491
−HK$1,946/mo
Today · 4.125%
HK$65,437
baseline
▲ 0.50% · 4.625%
HK$69,419
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,874/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,502
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,339
−HK$1,864/mo
Today · 4.125%
HK$72,203
baseline
▲ 0.50% · 4.625%
HK$76,009
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,406/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,891
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,189
−HK$2,335/mo
Today · 4.125%
HK$78,524
baseline
▲ 0.50% · 4.625%
HK$83,302
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,048/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,203
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,407
−HK$2,237/mo
Today · 4.125%
HK$86,644
baseline
▲ 0.50% · 4.625%
HK$91,211
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,288/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,206
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,887
−HK$2,725/mo
Today · 4.125%
HK$91,612
baseline
▲ 0.50% · 4.625%
HK$97,186
+HK$5,574/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,224/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,903
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,475
−HK$2,610/mo
Today · 4.125%
HK$101,085
baseline
▲ 0.50% · 4.625%
HK$106,413
+HK$5,328/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,170/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,836
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,284
−HK$3,503/mo
Today · 4.125%
HK$117,787
baseline
▲ 0.50% · 4.625%
HK$124,954
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,574/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,304
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,611
−HK$3,355/mo
Today · 4.125%
HK$129,966
baseline
▲ 0.50% · 4.625%
HK$136,817
+HK$6,851/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,932/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,663 · Scale 2, in force from 26 Feb 2026)