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$62,684
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,634
−HK$1,981/mo
Today · 4.125%
HK$66,615
baseline
▲ 0.50% · 4.625%
HK$70,669
+HK$4,054/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,230/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,736
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,606
−HK$1,897/mo
Today · 4.125%
HK$73,503
baseline
▲ 0.50% · 4.625%
HK$77,378
+HK$3,875/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,006/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,221
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,561
−HK$2,377/mo
Today · 4.125%
HK$79,938
baseline
▲ 0.50% · 4.625%
HK$84,802
+HK$4,864/mo
Deposit HK$11.00M · loan HK$16.49M · min. income ≈ HK$159,876/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,683
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,927
−HK$2,277/mo
Today · 4.125%
HK$88,204
baseline
▲ 0.50% · 4.625%
HK$92,853
+HK$4,649/mo
Deposit HK$11.00M · loan HK$16.49M · min. income ≈ HK$176,408/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,758
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,488
−HK$2,773/mo
Today · 4.125%
HK$93,261
baseline
▲ 0.50% · 4.625%
HK$98,936
+HK$5,675/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$186,522/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,630
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,249
−HK$2,656/mo
Today · 4.125%
HK$102,905
baseline
▲ 0.50% · 4.625%
HK$108,329
+HK$5,424/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$205,810/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,832
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,342
−HK$3,566/mo
Today · 4.125%
HK$119,908
baseline
▲ 0.50% · 4.625%
HK$127,204
+HK$7,296/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$239,816/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,524
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$128,891
−HK$3,415/mo
Today · 4.125%
HK$132,306
baseline
▲ 0.50% · 4.625%
HK$139,280
+HK$6,974/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$264,612/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,329 · Scale 2, in force from 26 Feb 2026)