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$55,145
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,861
−HK$1,742/mo
Today · 4.125%
HK$58,603
baseline
▲ 0.50% · 4.625%
HK$62,169
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,206/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,349
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,669/mo
Today · 4.125%
HK$64,663
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,326/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,174
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,233
−HK$2,091/mo
Today · 4.125%
HK$70,324
baseline
▲ 0.50% · 4.625%
HK$74,603
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,648/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,618
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,593
−HK$2,003/mo
Today · 4.125%
HK$77,596
baseline
▲ 0.50% · 4.625%
HK$81,686
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,192/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,203
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,605
−HK$2,440/mo
Today · 4.125%
HK$82,045
baseline
▲ 0.50% · 4.625%
HK$87,037
+HK$4,992/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,090/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,888
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,192
−HK$2,336/mo
Today · 4.125%
HK$90,528
baseline
▲ 0.50% · 4.625%
HK$95,300
+HK$4,772/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,056/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,262
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,349
−HK$3,137/mo
Today · 4.125%
HK$105,486
baseline
▲ 0.50% · 4.625%
HK$111,905
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,972/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,428
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,389
−HK$3,005/mo
Today · 4.125%
HK$116,394
baseline
▲ 0.50% · 4.625%
HK$122,529
+HK$6,135/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,788/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,814 · Scale 2, in force from 26 Feb 2026)