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$55,140
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,855
−HK$1,742/mo
Today · 4.125%
HK$58,597
baseline
▲ 0.50% · 4.625%
HK$62,163
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,194/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,342
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,987
−HK$1,669/mo
Today · 4.125%
HK$64,656
baseline
▲ 0.50% · 4.625%
HK$68,065
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,312/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,168
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,226
−HK$2,091/mo
Today · 4.125%
HK$70,317
baseline
▲ 0.50% · 4.625%
HK$74,595
+HK$4,278/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,634/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,611
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,585
−HK$2,003/mo
Today · 4.125%
HK$77,588
baseline
▲ 0.50% · 4.625%
HK$81,677
+HK$4,089/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,176/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,195
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,597
−HK$2,439/mo
Today · 4.125%
HK$82,036
baseline
▲ 0.50% · 4.625%
HK$87,028
+HK$4,992/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,072/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,879
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,182
−HK$2,337/mo
Today · 4.125%
HK$90,519
baseline
▲ 0.50% · 4.625%
HK$95,290
+HK$4,771/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,038/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,251
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,339
−HK$3,136/mo
Today · 4.125%
HK$105,475
baseline
▲ 0.50% · 4.625%
HK$111,893
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,950/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,416
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,377
−HK$3,005/mo
Today · 4.125%
HK$116,382
baseline
▲ 0.50% · 4.625%
HK$122,516
+HK$6,134/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,764/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,707 · Scale 2, in force from 26 Feb 2026)