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$61,575
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,490
−HK$1,946/mo
Today · 4.125%
HK$65,436
baseline
▲ 0.50% · 4.625%
HK$69,418
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,872/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,502
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,339
−HK$1,864/mo
Today · 4.125%
HK$72,203
baseline
▲ 0.50% · 4.625%
HK$76,008
+HK$3,805/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,406/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,890
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,188
−HK$2,336/mo
Today · 4.125%
HK$78,524
baseline
▲ 0.50% · 4.625%
HK$83,302
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,048/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,202
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,406
−HK$2,237/mo
Today · 4.125%
HK$86,643
baseline
▲ 0.50% · 4.625%
HK$91,210
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,286/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,205
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,886
−HK$2,725/mo
Today · 4.125%
HK$91,611
baseline
▲ 0.50% · 4.625%
HK$97,185
+HK$5,574/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,222/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,902
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,474
−HK$2,610/mo
Today · 4.125%
HK$101,084
baseline
▲ 0.50% · 4.625%
HK$106,412
+HK$5,328/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,168/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,835
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,283
−HK$3,502/mo
Today · 4.125%
HK$117,785
baseline
▲ 0.50% · 4.625%
HK$124,952
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,570/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,303
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,610
−HK$3,355/mo
Today · 4.125%
HK$129,965
baseline
▲ 0.50% · 4.625%
HK$136,815
+HK$6,850/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,930/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,651 · Scale 2, in force from 26 Feb 2026)