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$55,090
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,804
−HK$1,741/mo
Today · 4.125%
HK$58,545
baseline
▲ 0.50% · 4.625%
HK$62,107
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,090/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,287
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,931
−HK$1,668/mo
Today · 4.125%
HK$64,599
baseline
▲ 0.50% · 4.625%
HK$68,004
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,198/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,108
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,165
−HK$2,089/mo
Today · 4.125%
HK$70,254
baseline
▲ 0.50% · 4.625%
HK$74,529
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,508/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,545
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,517
−HK$2,001/mo
Today · 4.125%
HK$77,518
baseline
▲ 0.50% · 4.625%
HK$81,604
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,036/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,126
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,526
−HK$2,437/mo
Today · 4.125%
HK$81,963
baseline
▲ 0.50% · 4.625%
HK$86,950
+HK$4,987/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,926/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,802
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,104
−HK$2,334/mo
Today · 4.125%
HK$90,438
baseline
▲ 0.50% · 4.625%
HK$95,205
+HK$4,767/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,876/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,163
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,247
−HK$3,134/mo
Today · 4.125%
HK$105,381
baseline
▲ 0.50% · 4.625%
HK$111,793
+HK$6,412/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,762/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,317
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,276
−HK$3,001/mo
Today · 4.125%
HK$116,277
baseline
▲ 0.50% · 4.625%
HK$122,407
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,554/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,788 · Scale 2, in force from 26 Feb 2026)