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$62,719
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,670
−HK$1,982/mo
Today · 4.125%
HK$66,652
baseline
▲ 0.50% · 4.625%
HK$70,708
+HK$4,056/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,304/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,775
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,646
−HK$1,898/mo
Today · 4.125%
HK$73,544
baseline
▲ 0.50% · 4.625%
HK$77,421
+HK$3,877/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,088/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,263
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,604
−HK$2,379/mo
Today · 4.125%
HK$79,983
baseline
▲ 0.50% · 4.625%
HK$84,850
+HK$4,867/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,966/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,730
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,975
−HK$2,278/mo
Today · 4.125%
HK$88,253
baseline
▲ 0.50% · 4.625%
HK$92,905
+HK$4,652/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,506/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,807
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,538
−HK$2,775/mo
Today · 4.125%
HK$93,313
baseline
▲ 0.50% · 4.625%
HK$98,991
+HK$5,678/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,626/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,684
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,304
−HK$2,658/mo
Today · 4.125%
HK$102,962
baseline
▲ 0.50% · 4.625%
HK$108,389
+HK$5,427/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,924/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,895
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$116,406
−HK$3,568/mo
Today · 4.125%
HK$119,974
baseline
▲ 0.50% · 4.625%
HK$127,274
+HK$7,300/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,948/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,594
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,963
−HK$3,417/mo
Today · 4.125%
HK$132,380
baseline
▲ 0.50% · 4.625%
HK$139,358
+HK$6,978/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,760/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,980 · Scale 2, in force from 26 Feb 2026)