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$59,268
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,111
−HK$1,874/mo
Today · 4.125%
HK$62,985
baseline
▲ 0.50% · 4.625%
HK$66,817
+HK$3,832/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$1,104,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,935
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,703
−HK$1,794/mo
Today · 4.125%
HK$69,497
baseline
▲ 0.50% · 4.625%
HK$73,161
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$138,994/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,121
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,334
−HK$2,247/mo
Today · 4.125%
HK$75,581
baseline
▲ 0.50% · 4.625%
HK$80,180
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,162/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,122
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,244
−HK$2,153/mo
Today · 4.125%
HK$83,397
baseline
▲ 0.50% · 4.625%
HK$87,793
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,794/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,975
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,556
−HK$2,622/mo
Today · 4.125%
HK$88,178
baseline
▲ 0.50% · 4.625%
HK$93,544
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,356/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,309
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,785
−HK$2,511/mo
Today · 4.125%
HK$97,296
baseline
▲ 0.50% · 4.625%
HK$102,425
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,592/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,682
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,001
−HK$3,371/mo
Today · 4.125%
HK$113,372
baseline
▲ 0.50% · 4.625%
HK$120,271
+HK$6,899/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,744/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,683
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,866
−HK$3,229/mo
Today · 4.125%
HK$125,095
baseline
▲ 0.50% · 4.625%
HK$131,689
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,190/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,651 · Scale 2, in force from 26 Feb 2026)