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$55,136
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,851
−HK$1,742/mo
Today · 4.125%
HK$58,593
baseline
▲ 0.50% · 4.625%
HK$62,159
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,186/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,338
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,983
−HK$1,669/mo
Today · 4.125%
HK$64,652
baseline
▲ 0.50% · 4.625%
HK$68,060
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,304/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,163
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,221
−HK$2,091/mo
Today · 4.125%
HK$70,312
baseline
▲ 0.50% · 4.625%
HK$74,590
+HK$4,278/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,624/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,606
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,580
−HK$2,002/mo
Today · 4.125%
HK$77,582
baseline
▲ 0.50% · 4.625%
HK$81,672
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,164/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,190
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,591
−HK$2,440/mo
Today · 4.125%
HK$82,031
baseline
▲ 0.50% · 4.625%
HK$87,022
+HK$4,991/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,062/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,873
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,176
−HK$2,337/mo
Today · 4.125%
HK$90,513
baseline
▲ 0.50% · 4.625%
HK$95,284
+HK$4,771/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,026/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,245
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,332
−HK$3,136/mo
Today · 4.125%
HK$105,468
baseline
▲ 0.50% · 4.625%
HK$111,885
+HK$6,417/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,936/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,409
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,370
−HK$3,004/mo
Today · 4.125%
HK$116,374
baseline
▲ 0.50% · 4.625%
HK$122,508
+HK$6,134/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,748/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,636 · Scale 2, in force from 26 Feb 2026)