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$55,156
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,872
−HK$1,743/mo
Today · 4.125%
HK$58,615
baseline
▲ 0.50% · 4.625%
HK$62,182
+HK$3,567/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,230/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,361
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,007
−HK$1,669/mo
Today · 4.125%
HK$64,676
baseline
▲ 0.50% · 4.625%
HK$68,085
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,352/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,188
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,247
−HK$2,091/mo
Today · 4.125%
HK$70,338
baseline
▲ 0.50% · 4.625%
HK$74,618
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,676/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,633
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,608
−HK$2,003/mo
Today · 4.125%
HK$77,611
baseline
▲ 0.50% · 4.625%
HK$81,702
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,222/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,219
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,621
−HK$2,440/mo
Today · 4.125%
HK$82,061
baseline
▲ 0.50% · 4.625%
HK$87,055
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,122/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,905
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,209
−HK$2,338/mo
Today · 4.125%
HK$90,547
baseline
▲ 0.50% · 4.625%
HK$95,320
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,094/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,282
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,370
−HK$3,138/mo
Today · 4.125%
HK$105,508
baseline
▲ 0.50% · 4.625%
HK$111,927
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,016/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,450
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,412
−HK$3,005/mo
Today · 4.125%
HK$116,417
baseline
▲ 0.50% · 4.625%
HK$122,554
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,834/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,021 · Scale 2, in force from 26 Feb 2026)