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$55,106
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,821
−HK$1,741/mo
Today · 4.125%
HK$58,562
baseline
▲ 0.50% · 4.625%
HK$62,125
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,124/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,305
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,950
−HK$1,667/mo
Today · 4.125%
HK$64,617
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,407/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,234/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,128
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,185
−HK$2,089/mo
Today · 4.125%
HK$70,274
baseline
▲ 0.50% · 4.625%
HK$74,551
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,548/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,566
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,539
−HK$2,002/mo
Today · 4.125%
HK$77,541
baseline
▲ 0.50% · 4.625%
HK$81,628
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,082/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,149
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,549
−HK$2,438/mo
Today · 4.125%
HK$81,987
baseline
▲ 0.50% · 4.625%
HK$86,976
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,974/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,827
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,129
−HK$2,335/mo
Today · 4.125%
HK$90,464
baseline
▲ 0.50% · 4.625%
HK$95,233
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,928/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,192
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,277
−HK$3,135/mo
Today · 4.125%
HK$105,412
baseline
▲ 0.50% · 4.625%
HK$111,826
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,824/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,350
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,309
−HK$3,002/mo
Today · 4.125%
HK$116,311
baseline
▲ 0.50% · 4.625%
HK$122,442
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,622/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,088 · Scale 2, in force from 26 Feb 2026)