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$55,080
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,793
−HK$1,740/mo
Today · 4.125%
HK$58,533
baseline
▲ 0.50% · 4.625%
HK$62,095
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,066/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,275
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,919
−HK$1,667/mo
Today · 4.125%
HK$64,586
baseline
▲ 0.50% · 4.625%
HK$67,990
+HK$3,404/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,172/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,095
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,151
−HK$2,089/mo
Today · 4.125%
HK$70,240
baseline
▲ 0.50% · 4.625%
HK$74,514
+HK$4,274/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,480/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,530
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,503
−HK$2,000/mo
Today · 4.125%
HK$77,503
baseline
▲ 0.50% · 4.625%
HK$81,588
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$155,006/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,111
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,510
−HK$2,437/mo
Today · 4.125%
HK$81,947
baseline
▲ 0.50% · 4.625%
HK$86,933
+HK$4,986/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,894/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,786
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,086
−HK$2,334/mo
Today · 4.125%
HK$90,420
baseline
▲ 0.50% · 4.625%
HK$95,186
+HK$4,766/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,840/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,143
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,227
−HK$3,133/mo
Today · 4.125%
HK$105,360
baseline
▲ 0.50% · 4.625%
HK$111,771
+HK$6,411/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,720/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,296
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,254
−HK$3,001/mo
Today · 4.125%
HK$116,255
baseline
▲ 0.50% · 4.625%
HK$122,383
+HK$6,128/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,510/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,586 · Scale 2, in force from 26 Feb 2026)