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$57,303
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,085
−HK$1,811/mo
Today · 4.125%
HK$60,896
baseline
▲ 0.50% · 4.625%
HK$64,602
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,792/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,749
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,459
−HK$1,734/mo
Today · 4.125%
HK$67,193
baseline
▲ 0.50% · 4.625%
HK$70,735
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,386/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,763
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,902
−HK$2,174/mo
Today · 4.125%
HK$73,076
baseline
▲ 0.50% · 4.625%
HK$77,522
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,152/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,499
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,550
−HK$2,082/mo
Today · 4.125%
HK$80,632
baseline
▲ 0.50% · 4.625%
HK$84,882
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,264/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,224
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,719
−HK$2,536/mo
Today · 4.125%
HK$85,255
baseline
▲ 0.50% · 4.625%
HK$90,442
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,510/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,248
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,642
−HK$2,428/mo
Today · 4.125%
HK$94,070
baseline
▲ 0.50% · 4.625%
HK$99,029
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,140/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,145
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,354
−HK$3,259/mo
Today · 4.125%
HK$109,613
baseline
▲ 0.50% · 4.625%
HK$116,283
+HK$6,670/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,226/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,748
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,825
−HK$3,122/mo
Today · 4.125%
HK$120,947
baseline
▲ 0.50% · 4.625%
HK$127,323
+HK$6,376/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,894/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,026 · Scale 2, in force from 26 Feb 2026)