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$62,709
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,660
−HK$1,982/mo
Today · 4.125%
HK$66,642
baseline
▲ 0.50% · 4.625%
HK$70,697
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,284/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,764
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,635
−HK$1,898/mo
Today · 4.125%
HK$73,533
baseline
▲ 0.50% · 4.625%
HK$77,409
+HK$3,876/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,066/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,251
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,592
−HK$2,378/mo
Today · 4.125%
HK$79,970
baseline
▲ 0.50% · 4.625%
HK$84,836
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,940/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,716
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,962
−HK$2,277/mo
Today · 4.125%
HK$88,239
baseline
▲ 0.50% · 4.625%
HK$92,891
+HK$4,652/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,478/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,793
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,524
−HK$2,775/mo
Today · 4.125%
HK$93,299
baseline
▲ 0.50% · 4.625%
HK$98,976
+HK$5,677/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,598/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,669
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,289
−HK$2,657/mo
Today · 4.125%
HK$102,946
baseline
▲ 0.50% · 4.625%
HK$108,372
+HK$5,426/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,892/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,877
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,388
−HK$3,567/mo
Today · 4.125%
HK$119,955
baseline
▲ 0.50% · 4.625%
HK$127,254
+HK$7,299/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,910/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,575
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,942
−HK$3,417/mo
Today · 4.125%
HK$132,359
baseline
▲ 0.50% · 4.625%
HK$139,336
+HK$6,977/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,718/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,795 · Scale 2, in force from 26 Feb 2026)