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$55,050
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,763
−HK$1,739/mo
Today · 4.125%
HK$58,502
baseline
▲ 0.50% · 4.625%
HK$62,062
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,004/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,243
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,885
−HK$1,667/mo
Today · 4.125%
HK$64,552
baseline
▲ 0.50% · 4.625%
HK$67,954
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,104/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,060
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,115
−HK$2,088/mo
Today · 4.125%
HK$70,203
baseline
▲ 0.50% · 4.625%
HK$74,475
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,406/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,492
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,463
−HK$1,999/mo
Today · 4.125%
HK$77,462
baseline
▲ 0.50% · 4.625%
HK$81,545
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,924/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,070
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,468
−HK$2,435/mo
Today · 4.125%
HK$81,903
baseline
▲ 0.50% · 4.625%
HK$86,887
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,806/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,740
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,040
−HK$2,332/mo
Today · 4.125%
HK$90,372
baseline
▲ 0.50% · 4.625%
HK$95,136
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,744/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,091
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,173
−HK$3,131/mo
Today · 4.125%
HK$105,304
baseline
▲ 0.50% · 4.625%
HK$111,712
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,608/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,237
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,194
−HK$2,999/mo
Today · 4.125%
HK$116,193
baseline
▲ 0.50% · 4.625%
HK$122,318
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,386/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,043 · Scale 2, in force from 26 Feb 2026)