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$3,719/mo
▼ 0.25% · 3.875%
HK$61,137
−HK$1,874/mo
Today · 4.125%
HK$63,011
baseline
▲ 0.50% · 4.625%
HK$66,845
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,022/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,962
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,731
−HK$1,795/mo
Today · 4.125%
HK$69,526
baseline
▲ 0.50% · 4.625%
HK$73,191
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,052/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,151
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,364
−HK$2,249/mo
Today · 4.125%
HK$75,613
baseline
▲ 0.50% · 4.625%
HK$80,214
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,226/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,155
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,278
−HK$2,153/mo
Today · 4.125%
HK$83,431
baseline
▲ 0.50% · 4.625%
HK$87,829
+HK$4,398/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$1,105,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,009
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,591
−HK$2,624/mo
Today · 4.125%
HK$88,215
baseline
▲ 0.50% · 4.625%
HK$93,582
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,430/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,347
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,824
−HK$2,512/mo
Today · 4.125%
HK$97,336
baseline
▲ 0.50% · 4.625%
HK$102,467
+HK$5,131/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$1,105,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,726
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,046
−HK$3,373/mo
Today · 4.125%
HK$113,419
baseline
▲ 0.50% · 4.625%
HK$120,320
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,838/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,732
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,916
−HK$3,231/mo
Today · 4.125%
HK$125,147
baseline
▲ 0.50% · 4.625%
HK$131,743
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,294/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,108 · Scale 2, in force from 26 Feb 2026)