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$59,297
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,141
−HK$1,874/mo
Today · 4.125%
HK$63,015
baseline
▲ 0.50% · 4.625%
HK$66,850
+HK$3,835/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,030/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,967
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,736
−HK$1,795/mo
Today · 4.125%
HK$69,531
baseline
▲ 0.50% · 4.625%
HK$73,196
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,062/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,156
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,370
−HK$2,248/mo
Today · 4.125%
HK$75,618
baseline
▲ 0.50% · 4.625%
HK$80,220
+HK$4,602/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,236/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,161
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,284
−HK$2,154/mo
Today · 4.125%
HK$83,438
baseline
▲ 0.50% · 4.625%
HK$87,836
+HK$4,398/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,876/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,016
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,598
−HK$2,624/mo
Today · 4.125%
HK$88,222
baseline
▲ 0.50% · 4.625%
HK$93,590
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,444/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,354
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,831
−HK$2,513/mo
Today · 4.125%
HK$97,344
baseline
▲ 0.50% · 4.625%
HK$102,475
+HK$5,131/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,688/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,735
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,055
−HK$3,373/mo
Today · 4.125%
HK$113,428
baseline
▲ 0.50% · 4.625%
HK$120,330
+HK$6,902/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,856/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,741
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,926
−HK$3,230/mo
Today · 4.125%
HK$125,156
baseline
▲ 0.50% · 4.625%
HK$131,753
+HK$6,597/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,312/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,192 · Scale 2, in force from 26 Feb 2026)