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$61,552
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,946/mo
Today · 4.125%
HK$65,412
baseline
▲ 0.50% · 4.625%
HK$69,392
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,824/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,476
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,312
−HK$1,863/mo
Today · 4.125%
HK$72,175
baseline
▲ 0.50% · 4.625%
HK$75,980
+HK$3,805/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,350/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,862
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,160
−HK$2,334/mo
Today · 4.125%
HK$78,494
baseline
▲ 0.50% · 4.625%
HK$83,270
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$156,988/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,171
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,375
−HK$2,235/mo
Today · 4.125%
HK$86,610
baseline
▲ 0.50% · 4.625%
HK$91,176
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,220/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,172
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,853
−HK$2,723/mo
Today · 4.125%
HK$91,576
baseline
▲ 0.50% · 4.625%
HK$97,148
+HK$5,572/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,152/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,866
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,437
−HK$2,608/mo
Today · 4.125%
HK$101,045
baseline
▲ 0.50% · 4.625%
HK$106,372
+HK$5,327/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,090/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,793
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,239
−HK$3,502/mo
Today · 4.125%
HK$117,741
baseline
▲ 0.50% · 4.625%
HK$124,905
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,482/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,256
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,562
−HK$3,353/mo
Today · 4.125%
HK$129,915
baseline
▲ 0.50% · 4.625%
HK$136,763
+HK$6,848/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,830/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,218 · Scale 2, in force from 26 Feb 2026)