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$59,292
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,136
−HK$1,874/mo
Today · 4.125%
HK$63,010
baseline
▲ 0.50% · 4.625%
HK$66,844
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,020/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,962
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,731
−HK$1,794/mo
Today · 4.125%
HK$69,525
baseline
▲ 0.50% · 4.625%
HK$73,190
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,050/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,150
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,364
−HK$2,248/mo
Today · 4.125%
HK$75,612
baseline
▲ 0.50% · 4.625%
HK$80,213
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,224/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,154
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,277
−HK$2,154/mo
Today · 4.125%
HK$83,431
baseline
▲ 0.50% · 4.625%
HK$87,828
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,862/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,009
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,591
−HK$2,623/mo
Today · 4.125%
HK$88,214
baseline
▲ 0.50% · 4.625%
HK$93,582
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,428/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,346
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,823
−HK$2,513/mo
Today · 4.125%
HK$97,336
baseline
▲ 0.50% · 4.625%
HK$102,466
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,672/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,726
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,045
−HK$3,373/mo
Today · 4.125%
HK$113,418
baseline
▲ 0.50% · 4.625%
HK$120,319
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,836/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,731
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,915
−HK$3,231/mo
Today · 4.125%
HK$125,146
baseline
▲ 0.50% · 4.625%
HK$131,742
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,292/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,100 · Scale 2, in force from 26 Feb 2026)