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$55,095
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,809
−HK$1,741/mo
Today · 4.125%
HK$58,550
baseline
▲ 0.50% · 4.625%
HK$62,112
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,100/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,292
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,936
−HK$1,668/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,009
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,170
−HK$2,090/mo
Today · 4.125%
HK$70,260
baseline
▲ 0.50% · 4.625%
HK$74,535
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,520/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,551
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,523
−HK$2,002/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$81,611
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,133
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,532
−HK$2,438/mo
Today · 4.125%
HK$81,970
baseline
▲ 0.50% · 4.625%
HK$86,957
+HK$4,987/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,940/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,809
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,111
−HK$2,334/mo
Today · 4.125%
HK$90,445
baseline
▲ 0.50% · 4.625%
HK$95,213
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,890/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,171
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,255
−HK$3,134/mo
Today · 4.125%
HK$105,389
baseline
▲ 0.50% · 4.625%
HK$111,802
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,778/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,326
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,285
−HK$3,002/mo
Today · 4.125%
HK$116,287
baseline
▲ 0.50% · 4.625%
HK$122,416
+HK$6,129/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,574/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,870 · Scale 2, in force from 26 Feb 2026)