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$62,702
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,652
−HK$1,982/mo
Today · 4.125%
HK$66,634
baseline
▲ 0.50% · 4.625%
HK$70,688
+HK$4,054/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,268/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,755
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,626
−HK$1,898/mo
Today · 4.125%
HK$73,524
baseline
▲ 0.50% · 4.625%
HK$77,399
+HK$3,875/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,048/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,242
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,582
−HK$2,378/mo
Today · 4.125%
HK$79,960
baseline
▲ 0.50% · 4.625%
HK$84,826
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,920/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,706
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,951
−HK$2,277/mo
Today · 4.125%
HK$88,228
baseline
▲ 0.50% · 4.625%
HK$92,879
+HK$4,651/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,456/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,782
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,513
−HK$2,774/mo
Today · 4.125%
HK$93,287
baseline
▲ 0.50% · 4.625%
HK$98,963
+HK$5,676/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,574/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,657
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,276
−HK$2,657/mo
Today · 4.125%
HK$102,933
baseline
▲ 0.50% · 4.625%
HK$108,359
+HK$5,426/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,866/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,863
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$116,374
−HK$3,566/mo
Today · 4.125%
HK$119,940
baseline
▲ 0.50% · 4.625%
HK$127,239
+HK$7,299/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,880/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,559
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,926
−HK$3,416/mo
Today · 4.125%
HK$132,342
baseline
▲ 0.50% · 4.625%
HK$139,318
+HK$6,976/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,684/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,649 · Scale 2, in force from 26 Feb 2026)