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$59,277
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,121
−HK$1,873/mo
Today · 4.125%
HK$62,994
baseline
▲ 0.50% · 4.625%
HK$66,827
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,988/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,945
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,713
−HK$1,794/mo
Today · 4.125%
HK$69,507
baseline
▲ 0.50% · 4.625%
HK$73,171
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,014/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,132
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,345
−HK$2,248/mo
Today · 4.125%
HK$75,593
baseline
▲ 0.50% · 4.625%
HK$80,192
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,186/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,134
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,256
−HK$2,153/mo
Today · 4.125%
HK$83,409
baseline
▲ 0.50% · 4.625%
HK$87,806
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,818/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,987
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,569
−HK$2,622/mo
Today · 4.125%
HK$88,191
baseline
▲ 0.50% · 4.625%
HK$93,558
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,382/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,323
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,799
−HK$2,511/mo
Today · 4.125%
HK$97,310
baseline
▲ 0.50% · 4.625%
HK$102,440
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,620/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,698
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,017
−HK$3,372/mo
Today · 4.125%
HK$113,389
baseline
▲ 0.50% · 4.625%
HK$120,288
+HK$6,899/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,778/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,700
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,884
−HK$3,229/mo
Today · 4.125%
HK$125,113
baseline
▲ 0.50% · 4.625%
HK$131,708
+HK$6,595/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,226/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,814 · Scale 2, in force from 26 Feb 2026)