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$62,716
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,667
−HK$1,982/mo
Today · 4.125%
HK$66,649
baseline
▲ 0.50% · 4.625%
HK$70,704
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,298/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,771
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,642
−HK$1,898/mo
Today · 4.125%
HK$73,540
baseline
▲ 0.50% · 4.625%
HK$77,417
+HK$3,877/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,080/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,259
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,600
−HK$2,379/mo
Today · 4.125%
HK$79,979
baseline
▲ 0.50% · 4.625%
HK$84,845
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,958/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,725
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,971
−HK$2,278/mo
Today · 4.125%
HK$88,249
baseline
▲ 0.50% · 4.625%
HK$92,900
+HK$4,651/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,498/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,802
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,534
−HK$2,774/mo
Today · 4.125%
HK$93,308
baseline
▲ 0.50% · 4.625%
HK$98,986
+HK$5,678/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,616/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,679
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,299
−HK$2,658/mo
Today · 4.125%
HK$102,957
baseline
▲ 0.50% · 4.625%
HK$108,384
+HK$5,427/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,914/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,889
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$116,400
−HK$3,568/mo
Today · 4.125%
HK$119,968
baseline
▲ 0.50% · 4.625%
HK$127,268
+HK$7,300/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,936/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,588
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$128,956
−HK$3,417/mo
Today · 4.125%
HK$132,373
baseline
▲ 0.50% · 4.625%
HK$139,350
+HK$6,977/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,746/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,918 · Scale 2, in force from 26 Feb 2026)