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$55,109
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,823
−HK$1,741/mo
Today · 4.125%
HK$58,564
baseline
▲ 0.50% · 4.625%
HK$62,128
+HK$3,564/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,128/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,308
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,952
−HK$1,668/mo
Today · 4.125%
HK$64,620
baseline
▲ 0.50% · 4.625%
HK$68,026
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,240/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,130
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,187
−HK$2,090/mo
Today · 4.125%
HK$70,277
baseline
▲ 0.50% · 4.625%
HK$74,553
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,554/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,569
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,542
−HK$2,002/mo
Today · 4.125%
HK$77,544
baseline
▲ 0.50% · 4.625%
HK$81,631
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,088/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,152
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,552
−HK$2,438/mo
Today · 4.125%
HK$81,990
baseline
▲ 0.50% · 4.625%
HK$86,979
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,980/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,831
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,133
−HK$2,335/mo
Today · 4.125%
HK$90,468
baseline
▲ 0.50% · 4.625%
HK$95,237
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,936/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,195
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,281
−HK$3,135/mo
Today · 4.125%
HK$105,416
baseline
▲ 0.50% · 4.625%
HK$111,830
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,832/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,354
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,314
−HK$3,002/mo
Today · 4.125%
HK$116,316
baseline
▲ 0.50% · 4.625%
HK$122,447
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,632/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,128 · Scale 2, in force from 26 Feb 2026)