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$61,562
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,477
−HK$1,945/mo
Today · 4.125%
HK$65,422
baseline
▲ 0.50% · 4.625%
HK$69,403
+HK$3,981/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,844/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,487
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,323
−HK$1,864/mo
Today · 4.125%
HK$72,187
baseline
▲ 0.50% · 4.625%
HK$75,992
+HK$3,805/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,374/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,874
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,172
−HK$2,334/mo
Today · 4.125%
HK$78,506
baseline
▲ 0.50% · 4.625%
HK$83,283
+HK$4,777/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,012/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,184
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,388
−HK$2,236/mo
Today · 4.125%
HK$86,624
baseline
▲ 0.50% · 4.625%
HK$91,190
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,248/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,186
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,867
−HK$2,724/mo
Today · 4.125%
HK$91,591
baseline
▲ 0.50% · 4.625%
HK$97,164
+HK$5,573/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,182/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,881
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,453
−HK$2,609/mo
Today · 4.125%
HK$101,062
baseline
▲ 0.50% · 4.625%
HK$106,389
+HK$5,327/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,124/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,811
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,258
−HK$3,502/mo
Today · 4.125%
HK$117,760
baseline
▲ 0.50% · 4.625%
HK$124,925
+HK$7,165/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,520/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,276
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,582
−HK$3,354/mo
Today · 4.125%
HK$129,936
baseline
▲ 0.50% · 4.625%
HK$136,785
+HK$6,849/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,872/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,402 · Scale 2, in force from 26 Feb 2026)