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$59,264
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,107
−HK$1,873/mo
Today · 4.125%
HK$62,980
baseline
▲ 0.50% · 4.625%
HK$66,812
+HK$3,832/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,960/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,930
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,699
−HK$1,793/mo
Today · 4.125%
HK$69,492
baseline
▲ 0.50% · 4.625%
HK$73,156
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$138,984/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,117
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,329
−HK$2,247/mo
Today · 4.125%
HK$75,576
baseline
▲ 0.50% · 4.625%
HK$80,175
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$151,152/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,117
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,238
−HK$2,153/mo
Today · 4.125%
HK$83,391
baseline
▲ 0.50% · 4.625%
HK$87,787
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$166,782/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,969
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,550
−HK$2,622/mo
Today · 4.125%
HK$88,172
baseline
▲ 0.50% · 4.625%
HK$93,537
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,344/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,303
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,778
−HK$2,511/mo
Today · 4.125%
HK$97,289
baseline
▲ 0.50% · 4.625%
HK$102,418
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,578/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,675
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,993
−HK$3,371/mo
Today · 4.125%
HK$113,364
baseline
▲ 0.50% · 4.625%
HK$120,262
+HK$6,898/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,728/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,675
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,858
−HK$3,228/mo
Today · 4.125%
HK$125,086
baseline
▲ 0.50% · 4.625%
HK$131,680
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,172/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,576 · Scale 2, in force from 26 Feb 2026)