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$61,547
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,462
−HK$1,945/mo
Today · 4.125%
HK$65,407
baseline
▲ 0.50% · 4.625%
HK$69,387
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,814/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,471
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,307
−HK$1,863/mo
Today · 4.125%
HK$72,170
baseline
▲ 0.50% · 4.625%
HK$75,974
+HK$3,804/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,340/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,857
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,154
−HK$2,334/mo
Today · 4.125%
HK$78,488
baseline
▲ 0.50% · 4.625%
HK$83,264
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$156,976/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,165
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,369
−HK$2,235/mo
Today · 4.125%
HK$86,604
baseline
▲ 0.50% · 4.625%
HK$91,169
+HK$4,565/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$173,208/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,166
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,847
−HK$2,723/mo
Today · 4.125%
HK$91,570
baseline
▲ 0.50% · 4.625%
HK$97,142
+HK$5,572/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,140/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,859
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,430
−HK$2,608/mo
Today · 4.125%
HK$101,038
baseline
▲ 0.50% · 4.625%
HK$106,364
+HK$5,326/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,076/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,785
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,231
−HK$3,502/mo
Today · 4.125%
HK$117,733
baseline
▲ 0.50% · 4.625%
HK$124,896
+HK$7,163/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,466/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,248
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,553
−HK$3,353/mo
Today · 4.125%
HK$129,906
baseline
▲ 0.50% · 4.625%
HK$136,754
+HK$6,848/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,812/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,138 · Scale 2, in force from 26 Feb 2026)