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$55,086
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,800
−HK$1,741/mo
Today · 4.125%
HK$58,541
baseline
▲ 0.50% · 4.625%
HK$62,103
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,082/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,283
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,927
−HK$1,667/mo
Today · 4.125%
HK$64,594
baseline
▲ 0.50% · 4.625%
HK$67,999
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,188/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,104
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,160
−HK$2,089/mo
Today · 4.125%
HK$70,249
baseline
▲ 0.50% · 4.625%
HK$74,523
+HK$4,274/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,498/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,540
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,512
−HK$2,001/mo
Today · 4.125%
HK$77,513
baseline
▲ 0.50% · 4.625%
HK$81,599
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$155,026/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,121
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,520
−HK$2,437/mo
Today · 4.125%
HK$81,957
baseline
▲ 0.50% · 4.625%
HK$86,944
+HK$4,987/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,914/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,796
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,097
−HK$2,335/mo
Today · 4.125%
HK$90,432
baseline
▲ 0.50% · 4.625%
HK$95,198
+HK$4,766/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,864/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,156
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,240
−HK$3,133/mo
Today · 4.125%
HK$105,373
baseline
▲ 0.50% · 4.625%
HK$111,785
+HK$6,412/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,746/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,310
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,268
−HK$3,001/mo
Today · 4.125%
HK$116,269
baseline
▲ 0.50% · 4.625%
HK$122,398
+HK$6,129/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,538/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,715 · Scale 2, in force from 26 Feb 2026)