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$61,566
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,481
−HK$1,946/mo
Today · 4.125%
HK$65,427
baseline
▲ 0.50% · 4.625%
HK$69,408
+HK$3,981/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,854/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,492
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,329
−HK$1,863/mo
Today · 4.125%
HK$72,192
baseline
▲ 0.50% · 4.625%
HK$75,998
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,384/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,879
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,178
−HK$2,334/mo
Today · 4.125%
HK$78,512
baseline
▲ 0.50% · 4.625%
HK$83,290
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,024/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,190
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,394
−HK$2,237/mo
Today · 4.125%
HK$86,631
baseline
▲ 0.50% · 4.625%
HK$91,197
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,262/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,193
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,874
−HK$2,724/mo
Today · 4.125%
HK$91,598
baseline
▲ 0.50% · 4.625%
HK$97,171
+HK$5,573/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,196/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,888
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,460
−HK$2,609/mo
Today · 4.125%
HK$101,069
baseline
▲ 0.50% · 4.625%
HK$106,397
+HK$5,328/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,138/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,819
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,266
−HK$3,502/mo
Today · 4.125%
HK$117,768
baseline
▲ 0.50% · 4.625%
HK$124,934
+HK$7,166/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,536/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,285
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,592
−HK$3,354/mo
Today · 4.125%
HK$129,946
baseline
▲ 0.50% · 4.625%
HK$136,796
+HK$6,850/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,892/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,487 · Scale 2, in force from 26 Feb 2026)