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$59,283
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,127
−HK$1,873/mo
Today · 4.125%
HK$63,000
baseline
▲ 0.50% · 4.625%
HK$66,834
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,000/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,951
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,720
−HK$1,794/mo
Today · 4.125%
HK$69,514
baseline
▲ 0.50% · 4.625%
HK$73,179
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,028/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,139
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,352
−HK$2,248/mo
Today · 4.125%
HK$75,600
baseline
▲ 0.50% · 4.625%
HK$80,200
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,200/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,142
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,264
−HK$2,153/mo
Today · 4.125%
HK$83,417
baseline
▲ 0.50% · 4.625%
HK$87,814
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,834/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,996
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,577
−HK$2,623/mo
Today · 4.125%
HK$88,200
baseline
▲ 0.50% · 4.625%
HK$93,567
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,400/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,332
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,808
−HK$2,512/mo
Today · 4.125%
HK$97,320
baseline
▲ 0.50% · 4.625%
HK$102,450
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,640/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,709
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,028
−HK$3,372/mo
Today · 4.125%
HK$113,400
baseline
▲ 0.50% · 4.625%
HK$120,300
+HK$6,900/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,800/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,712
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,896
−HK$3,230/mo
Today · 4.125%
HK$125,126
baseline
▲ 0.50% · 4.625%
HK$131,722
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,252/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,924 · Scale 2, in force from 26 Feb 2026)