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$59,288
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,132
−HK$1,874/mo
Today · 4.125%
HK$63,006
baseline
▲ 0.50% · 4.625%
HK$66,840
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,012/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,726
−HK$1,795/mo
Today · 4.125%
HK$69,521
baseline
▲ 0.50% · 4.625%
HK$73,185
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,042/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,146
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,359
−HK$2,248/mo
Today · 4.125%
HK$75,607
baseline
▲ 0.50% · 4.625%
HK$80,208
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,214/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,149
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,272
−HK$2,153/mo
Today · 4.125%
HK$83,425
baseline
▲ 0.50% · 4.625%
HK$87,823
+HK$4,398/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,850/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,003
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,585
−HK$2,623/mo
Today · 4.125%
HK$88,208
baseline
▲ 0.50% · 4.625%
HK$93,576
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,416/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,340
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,817
−HK$2,512/mo
Today · 4.125%
HK$97,329
baseline
▲ 0.50% · 4.625%
HK$102,460
+HK$5,131/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,658/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,719
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,038
−HK$3,373/mo
Today · 4.125%
HK$113,411
baseline
▲ 0.50% · 4.625%
HK$120,312
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,822/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,723
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,908
−HK$3,230/mo
Today · 4.125%
HK$125,138
baseline
▲ 0.50% · 4.625%
HK$131,734
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,276/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,028 · Scale 2, in force from 26 Feb 2026)