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$55,159
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,874
−HK$1,744/mo
Today · 4.125%
HK$58,618
baseline
▲ 0.50% · 4.625%
HK$62,184
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,236/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,363
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,009
−HK$1,670/mo
Today · 4.125%
HK$64,679
baseline
▲ 0.50% · 4.625%
HK$68,088
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,358/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,190
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,249
−HK$2,092/mo
Today · 4.125%
HK$70,341
baseline
▲ 0.50% · 4.625%
HK$74,621
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,682/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,636
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,611
−HK$2,003/mo
Today · 4.125%
HK$77,614
baseline
▲ 0.50% · 4.625%
HK$81,706
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,228/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,222
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,624
−HK$2,441/mo
Today · 4.125%
HK$82,065
baseline
▲ 0.50% · 4.625%
HK$87,058
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,130/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,909
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,213
−HK$2,337/mo
Today · 4.125%
HK$90,550
baseline
▲ 0.50% · 4.625%
HK$95,323
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,100/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,285
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,374
−HK$3,138/mo
Today · 4.125%
HK$105,512
baseline
▲ 0.50% · 4.625%
HK$111,932
+HK$6,420/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,024/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,454
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,416
−HK$3,006/mo
Today · 4.125%
HK$116,422
baseline
▲ 0.50% · 4.625%
HK$122,558
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,844/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,061 · Scale 2, in force from 26 Feb 2026)