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$62,689
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,639
−HK$1,981/mo
Today · 4.125%
HK$66,620
baseline
▲ 0.50% · 4.625%
HK$70,674
+HK$4,054/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,240/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,741
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,611
−HK$1,897/mo
Today · 4.125%
HK$73,508
baseline
▲ 0.50% · 4.625%
HK$77,383
+HK$3,875/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,016/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,227
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,566
−HK$2,378/mo
Today · 4.125%
HK$79,944
baseline
▲ 0.50% · 4.625%
HK$84,808
+HK$4,864/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,888/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,689
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,933
−HK$2,277/mo
Today · 4.125%
HK$88,210
baseline
▲ 0.50% · 4.625%
HK$92,860
+HK$4,650/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,420/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,764
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,494
−HK$2,774/mo
Today · 4.125%
HK$93,268
baseline
▲ 0.50% · 4.625%
HK$98,943
+HK$5,675/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$186,536/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,637
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,255
−HK$2,657/mo
Today · 4.125%
HK$102,912
baseline
▲ 0.50% · 4.625%
HK$108,337
+HK$5,425/mo
Deposit HK$8.25M · loan HK$19.24M · min. income ≈ HK$205,824/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,840
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,350
−HK$3,566/mo
Today · 4.125%
HK$119,916
baseline
▲ 0.50% · 4.625%
HK$127,212
+HK$7,296/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$239,832/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,533
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$128,900
−HK$3,415/mo
Today · 4.125%
HK$132,315
baseline
▲ 0.50% · 4.625%
HK$139,290
+HK$6,975/mo
Deposit HK$2.75M · loan HK$24.74M · min. income ≈ HK$264,630/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,410 · Scale 2, in force from 26 Feb 2026)