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$61,553
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,468
−HK$1,945/mo
Today · 4.125%
HK$65,413
baseline
▲ 0.50% · 4.625%
HK$69,393
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,826/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,477
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,314
−HK$1,863/mo
Today · 4.125%
HK$72,177
baseline
▲ 0.50% · 4.625%
HK$75,981
+HK$3,804/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,354/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,864
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,161
−HK$2,335/mo
Today · 4.125%
HK$78,496
baseline
▲ 0.50% · 4.625%
HK$83,272
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$156,992/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,173
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,377
−HK$2,235/mo
Today · 4.125%
HK$86,612
baseline
▲ 0.50% · 4.625%
HK$91,178
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,224/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,174
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,855
−HK$2,723/mo
Today · 4.125%
HK$91,578
baseline
▲ 0.50% · 4.625%
HK$97,151
+HK$5,573/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,156/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,868
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,439
−HK$2,609/mo
Today · 4.125%
HK$101,048
baseline
▲ 0.50% · 4.625%
HK$106,374
+HK$5,326/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,096/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,796
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,242
−HK$3,502/mo
Today · 4.125%
HK$117,744
baseline
▲ 0.50% · 4.625%
HK$124,908
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,488/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,259
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,565
−HK$3,353/mo
Today · 4.125%
HK$129,918
baseline
▲ 0.50% · 4.625%
HK$136,767
+HK$6,849/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,836/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,244 · Scale 2, in force from 26 Feb 2026)