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$55,055
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,768
−HK$1,739/mo
Today · 4.125%
HK$58,507
baseline
▲ 0.50% · 4.625%
HK$62,067
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,014/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,248
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,891
−HK$1,666/mo
Today · 4.125%
HK$64,557
baseline
▲ 0.50% · 4.625%
HK$67,960
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,114/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,066
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,121
−HK$2,088/mo
Today · 4.125%
HK$70,209
baseline
▲ 0.50% · 4.625%
HK$74,481
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,418/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,498
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,469
−HK$2,000/mo
Today · 4.125%
HK$77,469
baseline
▲ 0.50% · 4.625%
HK$81,552
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,938/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,077
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,475
−HK$2,435/mo
Today · 4.125%
HK$81,910
baseline
▲ 0.50% · 4.625%
HK$86,894
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,820/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,747
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,047
−HK$2,333/mo
Today · 4.125%
HK$90,380
baseline
▲ 0.50% · 4.625%
HK$95,144
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,760/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,099
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,182
−HK$3,131/mo
Today · 4.125%
HK$105,313
baseline
▲ 0.50% · 4.625%
HK$111,721
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,626/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,247
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,203
−HK$3,000/mo
Today · 4.125%
HK$116,203
baseline
▲ 0.50% · 4.625%
HK$122,328
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,406/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,130 · Scale 2, in force from 26 Feb 2026)