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$59,285
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,129
−HK$1,874/mo
Today · 4.125%
HK$63,003
baseline
▲ 0.50% · 4.625%
HK$66,837
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,006/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,954
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,723
−HK$1,795/mo
Today · 4.125%
HK$69,518
baseline
▲ 0.50% · 4.625%
HK$73,182
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,036/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,142
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,355
−HK$2,249/mo
Today · 4.125%
HK$75,604
baseline
▲ 0.50% · 4.625%
HK$80,204
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,208/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,145
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,268
−HK$2,153/mo
Today · 4.125%
HK$83,421
baseline
▲ 0.50% · 4.625%
HK$87,818
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,842/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,999
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,581
−HK$2,623/mo
Today · 4.125%
HK$88,204
baseline
▲ 0.50% · 4.625%
HK$93,571
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,408/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,336
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,812
−HK$2,513/mo
Today · 4.125%
HK$97,325
baseline
▲ 0.50% · 4.625%
HK$102,455
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,650/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,713
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,033
−HK$3,372/mo
Today · 4.125%
HK$113,405
baseline
▲ 0.50% · 4.625%
HK$120,306
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,810/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,718
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,902
−HK$3,230/mo
Today · 4.125%
HK$125,132
baseline
▲ 0.50% · 4.625%
HK$131,727
+HK$6,595/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,264/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,974 · Scale 2, in force from 26 Feb 2026)