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$55,136
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,851
−HK$1,743/mo
Today · 4.125%
HK$58,594
baseline
▲ 0.50% · 4.625%
HK$62,159
+HK$3,565/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,188/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,338
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,983
−HK$1,669/mo
Today · 4.125%
HK$64,652
baseline
▲ 0.50% · 4.625%
HK$68,060
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,304/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,163
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,221
−HK$2,091/mo
Today · 4.125%
HK$70,312
baseline
▲ 0.50% · 4.625%
HK$74,591
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,624/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,606
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,580
−HK$2,003/mo
Today · 4.125%
HK$77,583
baseline
▲ 0.50% · 4.625%
HK$81,672
+HK$4,089/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,166/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,191
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,592
−HK$2,439/mo
Today · 4.125%
HK$82,031
baseline
▲ 0.50% · 4.625%
HK$87,023
+HK$4,992/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,062/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,874
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,177
−HK$2,336/mo
Today · 4.125%
HK$90,513
baseline
▲ 0.50% · 4.625%
HK$95,284
+HK$4,771/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,026/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,245
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,332
−HK$3,137/mo
Today · 4.125%
HK$105,469
baseline
▲ 0.50% · 4.625%
HK$111,886
+HK$6,417/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,938/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,409
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,370
−HK$3,004/mo
Today · 4.125%
HK$116,374
baseline
▲ 0.50% · 4.625%
HK$122,508
+HK$6,134/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,748/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,642 · Scale 2, in force from 26 Feb 2026)