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$55,087
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,801
−HK$1,741/mo
Today · 4.125%
HK$58,542
baseline
▲ 0.50% · 4.625%
HK$62,104
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,084/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,284
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,928
−HK$1,667/mo
Today · 4.125%
HK$64,595
baseline
▲ 0.50% · 4.625%
HK$68,000
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,190/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,105
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,161
−HK$2,089/mo
Today · 4.125%
HK$70,250
baseline
▲ 0.50% · 4.625%
HK$74,525
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,500/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,541
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,513
−HK$2,001/mo
Today · 4.125%
HK$77,514
baseline
▲ 0.50% · 4.625%
HK$81,600
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,028/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,122
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,521
−HK$2,437/mo
Today · 4.125%
HK$81,958
baseline
▲ 0.50% · 4.625%
HK$86,945
+HK$4,987/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,916/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,798
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,099
−HK$2,334/mo
Today · 4.125%
HK$90,433
baseline
▲ 0.50% · 4.625%
HK$95,200
+HK$4,767/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,866/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,157
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,241
−HK$3,134/mo
Today · 4.125%
HK$105,375
baseline
▲ 0.50% · 4.625%
HK$111,787
+HK$6,412/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,750/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,311
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,270
−HK$3,001/mo
Today · 4.125%
HK$116,271
baseline
▲ 0.50% · 4.625%
HK$122,400
+HK$6,129/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,542/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,731 · Scale 2, in force from 26 Feb 2026)