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$62,685
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,635
−HK$1,981/mo
Today · 4.125%
HK$66,616
baseline
▲ 0.50% · 4.625%
HK$70,669
+HK$4,053/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,232/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,736
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,607
−HK$1,897/mo
Today · 4.125%
HK$73,504
baseline
▲ 0.50% · 4.625%
HK$77,379
+HK$3,875/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,008/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,222
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,562
−HK$2,377/mo
Today · 4.125%
HK$79,939
baseline
▲ 0.50% · 4.625%
HK$84,803
+HK$4,864/mo
Deposit HK$11.00M · loan HK$16.49M · min. income ≈ HK$159,878/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,684
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,928
−HK$2,277/mo
Today · 4.125%
HK$88,205
baseline
▲ 0.50% · 4.625%
HK$92,854
+HK$4,649/mo
Deposit HK$11.00M · loan HK$16.49M · min. income ≈ HK$176,410/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,759
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,489
−HK$2,773/mo
Today · 4.125%
HK$93,262
baseline
▲ 0.50% · 4.625%
HK$98,937
+HK$5,675/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$186,524/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,631
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,249
−HK$2,657/mo
Today · 4.125%
HK$102,906
baseline
▲ 0.50% · 4.625%
HK$108,330
+HK$5,424/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$205,812/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,833
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,343
−HK$3,566/mo
Today · 4.125%
HK$119,909
baseline
▲ 0.50% · 4.625%
HK$127,205
+HK$7,296/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$239,818/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,526
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$128,892
−HK$3,415/mo
Today · 4.125%
HK$132,307
baseline
▲ 0.50% · 4.625%
HK$139,281
+HK$6,974/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$264,614/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,340 · Scale 2, in force from 26 Feb 2026)