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$59,271
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,115
−HK$1,873/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,821
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,939
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$1,794/mo
Today · 4.125%
HK$69,501
baseline
▲ 0.50% · 4.625%
HK$73,165
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,002/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,125
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,338
−HK$2,248/mo
Today · 4.125%
HK$75,586
baseline
▲ 0.50% · 4.625%
HK$80,185
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,172/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,126
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,248
−HK$2,153/mo
Today · 4.125%
HK$83,401
baseline
▲ 0.50% · 4.625%
HK$87,797
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,802/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,980
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,561
−HK$2,622/mo
Today · 4.125%
HK$88,183
baseline
▲ 0.50% · 4.625%
HK$93,549
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,366/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,314
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,790
−HK$2,511/mo
Today · 4.125%
HK$97,301
baseline
▲ 0.50% · 4.625%
HK$102,430
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,602/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,688
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,007
−HK$3,371/mo
Today · 4.125%
HK$113,378
baseline
▲ 0.50% · 4.625%
HK$120,277
+HK$6,899/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,756/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,689
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,873
−HK$3,229/mo
Today · 4.125%
HK$125,102
baseline
▲ 0.50% · 4.625%
HK$131,696
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,204/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,711 · Scale 2, in force from 26 Feb 2026)