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$55,071
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,784
−HK$1,741/mo
Today · 4.125%
HK$58,525
baseline
▲ 0.50% · 4.625%
HK$62,086
+HK$3,561/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,050/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,266
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,910
−HK$1,666/mo
Today · 4.125%
HK$64,576
baseline
▲ 0.50% · 4.625%
HK$67,980
+HK$3,404/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,152/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,086
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,141
−HK$2,089/mo
Today · 4.125%
HK$70,230
baseline
▲ 0.50% · 4.625%
HK$74,503
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,460/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,520
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,491
−HK$2,001/mo
Today · 4.125%
HK$77,492
baseline
▲ 0.50% · 4.625%
HK$81,576
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,984/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,100
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,498
−HK$2,437/mo
Today · 4.125%
HK$81,935
baseline
▲ 0.50% · 4.625%
HK$86,920
+HK$4,985/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,870/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,773
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,073
−HK$2,334/mo
Today · 4.125%
HK$90,407
baseline
▲ 0.50% · 4.625%
HK$95,172
+HK$4,765/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,814/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,129
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,212
−HK$3,133/mo
Today · 4.125%
HK$105,345
baseline
▲ 0.50% · 4.625%
HK$111,755
+HK$6,410/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,690/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,279
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,237
−HK$3,001/mo
Today · 4.125%
HK$116,238
baseline
▲ 0.50% · 4.625%
HK$122,365
+HK$6,127/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,476/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,435 · Scale 2, in force from 26 Feb 2026)