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$62,713
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,664
−HK$1,982/mo
Today · 4.125%
HK$66,646
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,292/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,768
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,639
−HK$1,898/mo
Today · 4.125%
HK$73,537
baseline
▲ 0.50% · 4.625%
HK$77,413
+HK$3,876/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,074/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,256
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,597
−HK$2,378/mo
Today · 4.125%
HK$79,975
baseline
▲ 0.50% · 4.625%
HK$84,841
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,950/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,721
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,967
−HK$2,278/mo
Today · 4.125%
HK$88,245
baseline
▲ 0.50% · 4.625%
HK$92,896
+HK$4,651/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,490/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,798
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,529
−HK$2,775/mo
Today · 4.125%
HK$93,304
baseline
▲ 0.50% · 4.625%
HK$98,981
+HK$5,677/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,608/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,675
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,294
−HK$2,658/mo
Today · 4.125%
HK$102,952
baseline
▲ 0.50% · 4.625%
HK$108,379
+HK$5,427/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,904/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,884
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,395
−HK$3,567/mo
Today · 4.125%
HK$119,962
baseline
▲ 0.50% · 4.625%
HK$127,262
+HK$7,300/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,924/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,582
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$128,950
−HK$3,417/mo
Today · 4.125%
HK$132,367
baseline
▲ 0.50% · 4.625%
HK$139,344
+HK$6,977/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,734/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,864 · Scale 2, in force from 26 Feb 2026)