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$55,102
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,816
−HK$1,742/mo
Today · 4.125%
HK$58,558
baseline
▲ 0.50% · 4.625%
HK$62,121
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,116/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,301
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,945
−HK$1,667/mo
Today · 4.125%
HK$64,612
baseline
▲ 0.50% · 4.625%
HK$68,018
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,224/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,123
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,179
−HK$2,090/mo
Today · 4.125%
HK$70,269
baseline
▲ 0.50% · 4.625%
HK$74,545
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,538/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,561
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,534
−HK$2,001/mo
Today · 4.125%
HK$77,535
baseline
▲ 0.50% · 4.625%
HK$81,622
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,070/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,143
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,543
−HK$2,438/mo
Today · 4.125%
HK$81,981
baseline
▲ 0.50% · 4.625%
HK$86,969
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,962/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,821
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,122
−HK$2,335/mo
Today · 4.125%
HK$90,457
baseline
▲ 0.50% · 4.625%
HK$95,226
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,914/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,184
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,269
−HK$3,135/mo
Today · 4.125%
HK$105,404
baseline
▲ 0.50% · 4.625%
HK$111,817
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,808/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,341
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,300
−HK$3,002/mo
Today · 4.125%
HK$116,302
baseline
▲ 0.50% · 4.625%
HK$122,433
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,604/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,008 · Scale 2, in force from 26 Feb 2026)