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$62,730
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,681
−HK$1,982/mo
Today · 4.125%
HK$66,663
baseline
▲ 0.50% · 4.625%
HK$70,720
+HK$4,057/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,326/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,786
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,658
−HK$1,898/mo
Today · 4.125%
HK$73,556
baseline
▲ 0.50% · 4.625%
HK$77,434
+HK$3,878/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,112/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,276
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,617
−HK$2,379/mo
Today · 4.125%
HK$79,996
baseline
▲ 0.50% · 4.625%
HK$84,864
+HK$4,868/mo
Deposit HK$11.00M · loan HK$16.51M · min. income ≈ HK$159,992/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,743
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,989
−HK$2,279/mo
Today · 4.125%
HK$88,268
baseline
▲ 0.50% · 4.625%
HK$92,920
+HK$4,652/mo
Deposit HK$11.00M · loan HK$16.51M · min. income ≈ HK$176,536/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,821
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,553
−HK$2,776/mo
Today · 4.125%
HK$93,329
baseline
▲ 0.50% · 4.625%
HK$99,007
+HK$5,678/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$186,658/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,701
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,321
−HK$2,658/mo
Today · 4.125%
HK$102,979
baseline
▲ 0.50% · 4.625%
HK$108,407
+HK$5,428/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$205,958/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,913
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,426
−HK$3,568/mo
Today · 4.125%
HK$119,994
baseline
▲ 0.50% · 4.625%
HK$127,295
+HK$7,301/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$239,988/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,615
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$128,984
−HK$3,418/mo
Today · 4.125%
HK$132,402
baseline
▲ 0.50% · 4.625%
HK$139,381
+HK$6,979/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$264,804/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,171 · Scale 2, in force from 26 Feb 2026)