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$62,708
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,659
−HK$1,982/mo
Today · 4.125%
HK$66,641
baseline
▲ 0.50% · 4.625%
HK$70,696
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,282/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,762
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,633
−HK$1,898/mo
Today · 4.125%
HK$73,531
baseline
▲ 0.50% · 4.625%
HK$77,407
+HK$3,876/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,062/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,250
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,591
−HK$2,378/mo
Today · 4.125%
HK$79,969
baseline
▲ 0.50% · 4.625%
HK$84,835
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,938/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,715
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,960
−HK$2,278/mo
Today · 4.125%
HK$88,238
baseline
▲ 0.50% · 4.625%
HK$92,889
+HK$4,651/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,476/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,792
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,522
−HK$2,775/mo
Today · 4.125%
HK$93,297
baseline
▲ 0.50% · 4.625%
HK$98,974
+HK$5,677/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,594/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,667
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,287
−HK$2,657/mo
Today · 4.125%
HK$102,944
baseline
▲ 0.50% · 4.625%
HK$108,370
+HK$5,426/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,888/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,875
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,386
−HK$3,567/mo
Today · 4.125%
HK$119,953
baseline
▲ 0.50% · 4.625%
HK$127,252
+HK$7,299/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,906/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,572
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,940
−HK$3,416/mo
Today · 4.125%
HK$132,356
baseline
▲ 0.50% · 4.625%
HK$139,333
+HK$6,977/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,712/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,773 · Scale 2, in force from 26 Feb 2026)