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$59,272
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,116
−HK$1,873/mo
Today · 4.125%
HK$62,989
baseline
▲ 0.50% · 4.625%
HK$66,822
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,978/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,939
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,708
−HK$1,794/mo
Today · 4.125%
HK$69,502
baseline
▲ 0.50% · 4.625%
HK$73,166
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,004/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,126
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,339
−HK$2,248/mo
Today · 4.125%
HK$75,587
baseline
▲ 0.50% · 4.625%
HK$80,186
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,174/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,127
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,250
−HK$2,152/mo
Today · 4.125%
HK$83,402
baseline
▲ 0.50% · 4.625%
HK$87,799
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,804/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,981
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,562
−HK$2,622/mo
Today · 4.125%
HK$88,184
baseline
▲ 0.50% · 4.625%
HK$93,550
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,368/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,315
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,791
−HK$2,512/mo
Today · 4.125%
HK$97,303
baseline
▲ 0.50% · 4.625%
HK$102,432
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,606/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,690
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,008
−HK$3,372/mo
Today · 4.125%
HK$113,380
baseline
▲ 0.50% · 4.625%
HK$120,279
+HK$6,899/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,760/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,691
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,874
−HK$3,230/mo
Today · 4.125%
HK$125,104
baseline
▲ 0.50% · 4.625%
HK$131,698
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,208/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,727 · Scale 2, in force from 26 Feb 2026)