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$55,106
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,820
−HK$1,741/mo
Today · 4.125%
HK$58,561
baseline
▲ 0.50% · 4.625%
HK$62,125
+HK$3,564/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,122/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,305
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,949
−HK$1,668/mo
Today · 4.125%
HK$64,617
baseline
▲ 0.50% · 4.625%
HK$68,023
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,234/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,127
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,184
−HK$2,090/mo
Today · 4.125%
HK$70,274
baseline
▲ 0.50% · 4.625%
HK$74,550
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,548/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,565
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,538
−HK$2,002/mo
Today · 4.125%
HK$77,540
baseline
▲ 0.50% · 4.625%
HK$81,627
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,080/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,148
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,548
−HK$2,438/mo
Today · 4.125%
HK$81,986
baseline
▲ 0.50% · 4.625%
HK$86,974
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,972/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,826
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,128
−HK$2,335/mo
Today · 4.125%
HK$90,463
baseline
▲ 0.50% · 4.625%
HK$95,232
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,926/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,190
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,276
−HK$3,134/mo
Today · 4.125%
HK$105,410
baseline
▲ 0.50% · 4.625%
HK$111,824
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,820/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,348
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,308
−HK$3,002/mo
Today · 4.125%
HK$116,310
baseline
▲ 0.50% · 4.625%
HK$122,441
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,620/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,074 · Scale 2, in force from 26 Feb 2026)