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$59,299
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,144
−HK$1,874/mo
Today · 4.125%
HK$63,018
baseline
▲ 0.50% · 4.625%
HK$66,852
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,036/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,970
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,739
−HK$1,795/mo
Today · 4.125%
HK$69,534
baseline
▲ 0.50% · 4.625%
HK$73,199
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,068/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,159
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,373
−HK$2,249/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$80,223
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,164
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,287
−HK$2,154/mo
Today · 4.125%
HK$83,441
baseline
▲ 0.50% · 4.625%
HK$87,839
+HK$4,398/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,882/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,019
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,601
−HK$2,624/mo
Today · 4.125%
HK$88,225
baseline
▲ 0.50% · 4.625%
HK$93,593
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,450/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,358
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,835
−HK$2,513/mo
Today · 4.125%
HK$97,348
baseline
▲ 0.50% · 4.625%
HK$102,479
+HK$5,131/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,696/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,739
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,059
−HK$3,373/mo
Today · 4.125%
HK$113,432
baseline
▲ 0.50% · 4.625%
HK$120,334
+HK$6,902/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,864/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,746
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,931
−HK$3,230/mo
Today · 4.125%
HK$125,161
baseline
▲ 0.50% · 4.625%
HK$131,759
+HK$6,598/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,322/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,237 · Scale 2, in force from 26 Feb 2026)