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$3,716/mo
▼ 0.25% · 3.875%
HK$61,112
−HK$1,873/mo
Today · 4.125%
HK$62,985
baseline
▲ 0.50% · 4.625%
HK$66,818
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,970/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,936
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,704
−HK$1,794/mo
Today · 4.125%
HK$69,498
baseline
▲ 0.50% · 4.625%
HK$73,161
+HK$3,663/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$138,996/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,122
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,335
−HK$2,247/mo
Today · 4.125%
HK$75,582
baseline
▲ 0.50% · 4.625%
HK$80,181
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,164/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,123
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,245
−HK$2,153/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$1,104,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,976
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,557
−HK$2,622/mo
Today · 4.125%
HK$88,179
baseline
▲ 0.50% · 4.625%
HK$93,545
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,358/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,310
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,786
−HK$2,511/mo
Today · 4.125%
HK$97,297
baseline
▲ 0.50% · 4.625%
HK$102,426
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,594/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,683
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,002
−HK$3,371/mo
Today · 4.125%
HK$113,373
baseline
▲ 0.50% · 4.625%
HK$120,272
+HK$6,899/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,746/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,684
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,867
−HK$3,229/mo
Today · 4.125%
HK$125,096
baseline
▲ 0.50% · 4.625%
HK$131,690
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,192/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,662 · Scale 2, in force from 26 Feb 2026)