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$59,278
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,122
−HK$1,873/mo
Today · 4.125%
HK$62,995
baseline
▲ 0.50% · 4.625%
HK$66,828
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,990/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,946
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,714
−HK$1,795/mo
Today · 4.125%
HK$69,509
baseline
▲ 0.50% · 4.625%
HK$73,173
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,018/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,133
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,346
−HK$2,248/mo
Today · 4.125%
HK$75,594
baseline
▲ 0.50% · 4.625%
HK$80,194
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,188/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,135
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,257
−HK$2,153/mo
Today · 4.125%
HK$83,410
baseline
▲ 0.50% · 4.625%
HK$87,807
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,820/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,989
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,570
−HK$2,623/mo
Today · 4.125%
HK$88,193
baseline
▲ 0.50% · 4.625%
HK$93,559
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,386/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,324
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,800
−HK$2,512/mo
Today · 4.125%
HK$97,312
baseline
▲ 0.50% · 4.625%
HK$102,442
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,624/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,700
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,019
−HK$3,372/mo
Today · 4.125%
HK$113,391
baseline
▲ 0.50% · 4.625%
HK$120,290
+HK$6,899/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,782/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,702
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,886
−HK$3,230/mo
Today · 4.125%
HK$125,116
baseline
▲ 0.50% · 4.625%
HK$131,711
+HK$6,595/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,232/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,833 · Scale 2, in force from 26 Feb 2026)