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$61,552
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,467
−HK$1,945/mo
Today · 4.125%
HK$65,412
baseline
▲ 0.50% · 4.625%
HK$69,392
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,824/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,476
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,313
−HK$1,863/mo
Today · 4.125%
HK$72,176
baseline
▲ 0.50% · 4.625%
HK$75,980
+HK$3,804/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,352/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,863
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,160
−HK$2,334/mo
Today · 4.125%
HK$78,494
baseline
▲ 0.50% · 4.625%
HK$83,271
+HK$4,777/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$156,988/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,171
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,375
−HK$2,236/mo
Today · 4.125%
HK$86,611
baseline
▲ 0.50% · 4.625%
HK$91,176
+HK$4,565/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,222/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,173
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,853
−HK$2,724/mo
Today · 4.125%
HK$91,577
baseline
▲ 0.50% · 4.625%
HK$97,149
+HK$5,572/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,154/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,867
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,438
−HK$2,608/mo
Today · 4.125%
HK$101,046
baseline
▲ 0.50% · 4.625%
HK$106,372
+HK$5,326/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,092/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,794
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,240
−HK$3,502/mo
Today · 4.125%
HK$117,742
baseline
▲ 0.50% · 4.625%
HK$124,906
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,484/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,257
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,563
−HK$3,353/mo
Today · 4.125%
HK$129,916
baseline
▲ 0.50% · 4.625%
HK$136,764
+HK$6,848/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,832/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,225 · Scale 2, in force from 26 Feb 2026)