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$61,556
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,471
−HK$1,945/mo
Today · 4.125%
HK$65,416
baseline
▲ 0.50% · 4.625%
HK$69,397
+HK$3,981/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,832/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,481
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,317
−HK$1,864/mo
Today · 4.125%
HK$72,181
baseline
▲ 0.50% · 4.625%
HK$75,985
+HK$3,804/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,362/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,868
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,165
−HK$2,335/mo
Today · 4.125%
HK$78,500
baseline
▲ 0.50% · 4.625%
HK$83,276
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,000/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,177
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,381
−HK$2,236/mo
Today · 4.125%
HK$86,617
baseline
▲ 0.50% · 4.625%
HK$91,182
+HK$4,565/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,234/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,179
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,860
−HK$2,723/mo
Today · 4.125%
HK$91,583
baseline
▲ 0.50% · 4.625%
HK$97,156
+HK$5,573/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,166/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,873
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,444
−HK$2,609/mo
Today · 4.125%
HK$101,053
baseline
▲ 0.50% · 4.625%
HK$106,380
+HK$5,327/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,106/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,801
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,248
−HK$3,502/mo
Today · 4.125%
HK$117,750
baseline
▲ 0.50% · 4.625%
HK$124,914
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,500/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,265
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,571
−HK$3,354/mo
Today · 4.125%
HK$129,925
baseline
▲ 0.50% · 4.625%
HK$136,774
+HK$6,849/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,850/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,303 · Scale 2, in force from 26 Feb 2026)