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$59,265
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,109
−HK$1,873/mo
Today · 4.125%
HK$62,982
baseline
▲ 0.50% · 4.625%
HK$66,814
+HK$3,832/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,964/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,932
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,701
−HK$1,793/mo
Today · 4.125%
HK$69,494
baseline
▲ 0.50% · 4.625%
HK$73,158
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$138,988/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,119
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,331
−HK$2,247/mo
Today · 4.125%
HK$75,578
baseline
▲ 0.50% · 4.625%
HK$80,177
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$151,156/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,119
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,241
−HK$2,152/mo
Today · 4.125%
HK$83,393
baseline
▲ 0.50% · 4.625%
HK$87,789
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$166,786/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,972
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,553
−HK$2,622/mo
Today · 4.125%
HK$88,175
baseline
▲ 0.50% · 4.625%
HK$93,540
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,350/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,305
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,781
−HK$2,511/mo
Today · 4.125%
HK$97,292
baseline
▲ 0.50% · 4.625%
HK$102,421
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,584/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,678
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$109,996
−HK$3,372/mo
Today · 4.125%
HK$113,368
baseline
▲ 0.50% · 4.625%
HK$120,266
+HK$6,898/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,736/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,678
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,861
−HK$3,229/mo
Today · 4.125%
HK$125,090
baseline
▲ 0.50% · 4.625%
HK$131,684
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,180/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,606 · Scale 2, in force from 26 Feb 2026)