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$59,303
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,147
−HK$1,874/mo
Today · 4.125%
HK$63,021
baseline
▲ 0.50% · 4.625%
HK$66,856
+HK$3,835/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,042/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,973
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,743
−HK$1,795/mo
Today · 4.125%
HK$69,538
baseline
▲ 0.50% · 4.625%
HK$73,203
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,076/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,163
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,377
−HK$2,249/mo
Today · 4.125%
HK$75,626
baseline
▲ 0.50% · 4.625%
HK$80,227
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,252/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,168
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,291
−HK$2,154/mo
Today · 4.125%
HK$83,445
baseline
▲ 0.50% · 4.625%
HK$87,844
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,890/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,024
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,606
−HK$2,624/mo
Today · 4.125%
HK$88,230
baseline
▲ 0.50% · 4.625%
HK$93,598
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,460/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,363
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,840
−HK$2,513/mo
Today · 4.125%
HK$97,353
baseline
▲ 0.50% · 4.625%
HK$102,485
+HK$5,132/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,706/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,745
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,065
−HK$3,373/mo
Today · 4.125%
HK$113,438
baseline
▲ 0.50% · 4.625%
HK$120,341
+HK$6,903/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,876/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,752
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,937
−HK$3,231/mo
Today · 4.125%
HK$125,168
baseline
▲ 0.50% · 4.625%
HK$131,766
+HK$6,598/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,336/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,297 · Scale 2, in force from 26 Feb 2026)