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$59,280
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,123
−HK$1,874/mo
Today · 4.125%
HK$62,997
baseline
▲ 0.50% · 4.625%
HK$66,830
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,994/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,948
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,717
−HK$1,794/mo
Today · 4.125%
HK$69,511
baseline
▲ 0.50% · 4.625%
HK$73,175
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,022/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,135
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,348
−HK$2,248/mo
Today · 4.125%
HK$75,596
baseline
▲ 0.50% · 4.625%
HK$80,196
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,192/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,137
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,260
−HK$2,153/mo
Today · 4.125%
HK$83,413
baseline
▲ 0.50% · 4.625%
HK$87,810
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,826/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,991
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,573
−HK$2,623/mo
Today · 4.125%
HK$88,196
baseline
▲ 0.50% · 4.625%
HK$93,562
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,392/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,327
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,803
−HK$2,512/mo
Today · 4.125%
HK$97,315
baseline
▲ 0.50% · 4.625%
HK$102,445
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,630/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,703
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,022
−HK$3,372/mo
Today · 4.125%
HK$113,394
baseline
▲ 0.50% · 4.625%
HK$120,294
+HK$6,900/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,788/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,706
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,890
−HK$3,229/mo
Today · 4.125%
HK$125,119
baseline
▲ 0.50% · 4.625%
HK$131,715
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,238/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,867 · Scale 2, in force from 26 Feb 2026)