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$61,560
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,475
−HK$1,946/mo
Today · 4.125%
HK$65,421
baseline
▲ 0.50% · 4.625%
HK$69,401
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,842/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,485
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,322
−HK$1,863/mo
Today · 4.125%
HK$72,185
baseline
▲ 0.50% · 4.625%
HK$75,990
+HK$3,805/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,370/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,872
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,170
−HK$2,335/mo
Today · 4.125%
HK$78,505
baseline
▲ 0.50% · 4.625%
HK$83,282
+HK$4,777/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,010/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,182
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,386
−HK$2,236/mo
Today · 4.125%
HK$86,622
baseline
▲ 0.50% · 4.625%
HK$91,188
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,244/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,184
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,865
−HK$2,724/mo
Today · 4.125%
HK$91,589
baseline
▲ 0.50% · 4.625%
HK$97,162
+HK$5,573/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,178/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,879
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,451
−HK$2,608/mo
Today · 4.125%
HK$101,059
baseline
▲ 0.50% · 4.625%
HK$106,386
+HK$5,327/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,118/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,809
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,255
−HK$3,502/mo
Today · 4.125%
HK$117,757
baseline
▲ 0.50% · 4.625%
HK$124,922
+HK$7,165/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,514/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,273
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,579
−HK$3,354/mo
Today · 4.125%
HK$129,933
baseline
▲ 0.50% · 4.625%
HK$136,782
+HK$6,849/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,866/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,377 · Scale 2, in force from 26 Feb 2026)