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$59,269
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,113
−HK$1,873/mo
Today · 4.125%
HK$62,986
baseline
▲ 0.50% · 4.625%
HK$66,818
+HK$3,832/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,972/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,936
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,705
−HK$1,794/mo
Today · 4.125%
HK$69,499
baseline
▲ 0.50% · 4.625%
HK$73,162
+HK$3,663/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$138,998/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,123
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,335
−HK$2,248/mo
Today · 4.125%
HK$75,583
baseline
▲ 0.50% · 4.625%
HK$80,182
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,166/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,124
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,246
−HK$2,152/mo
Today · 4.125%
HK$83,398
baseline
▲ 0.50% · 4.625%
HK$87,794
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,796/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,977
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,558
−HK$2,622/mo
Today · 4.125%
HK$88,180
baseline
▲ 0.50% · 4.625%
HK$93,546
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,360/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,311
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,787
−HK$2,511/mo
Today · 4.125%
HK$97,298
baseline
▲ 0.50% · 4.625%
HK$102,427
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,596/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,684
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,003
−HK$3,372/mo
Today · 4.125%
HK$113,375
baseline
▲ 0.50% · 4.625%
HK$120,273
+HK$6,898/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,750/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,685
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,868
−HK$3,230/mo
Today · 4.125%
HK$125,098
baseline
▲ 0.50% · 4.625%
HK$131,692
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,196/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,674 · Scale 2, in force from 26 Feb 2026)