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$59,306
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,151
−HK$1,874/mo
Today · 4.125%
HK$63,025
baseline
▲ 0.50% · 4.625%
HK$66,860
+HK$3,835/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,050/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,977
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,747
−HK$1,795/mo
Today · 4.125%
HK$69,542
baseline
▲ 0.50% · 4.625%
HK$73,207
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,084/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,167
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,381
−HK$2,249/mo
Today · 4.125%
HK$75,630
baseline
▲ 0.50% · 4.625%
HK$80,232
+HK$4,602/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$151,260/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,173
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,296
−HK$2,154/mo
Today · 4.125%
HK$83,450
baseline
▲ 0.50% · 4.625%
HK$87,849
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$166,900/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,028
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,611
−HK$2,624/mo
Today · 4.125%
HK$88,235
baseline
▲ 0.50% · 4.625%
HK$93,604
+HK$5,369/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,470/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,368
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,845
−HK$2,514/mo
Today · 4.125%
HK$97,359
baseline
▲ 0.50% · 4.625%
HK$102,490
+HK$5,131/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,718/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,751
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,071
−HK$3,374/mo
Today · 4.125%
HK$113,445
baseline
▲ 0.50% · 4.625%
HK$120,348
+HK$6,903/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,890/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,759
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,944
−HK$3,231/mo
Today · 4.125%
HK$125,175
baseline
▲ 0.50% · 4.625%
HK$131,773
+HK$6,598/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,350/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,360 · Scale 2, in force from 26 Feb 2026)