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$55,143
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,858
−HK$1,743/mo
Today · 4.125%
HK$58,601
baseline
▲ 0.50% · 4.625%
HK$62,166
+HK$3,565/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,202/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,346
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,991
−HK$1,669/mo
Today · 4.125%
HK$64,660
baseline
▲ 0.50% · 4.625%
HK$68,068
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,320/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,171
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,230
−HK$2,091/mo
Today · 4.125%
HK$70,321
baseline
▲ 0.50% · 4.625%
HK$74,600
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,642/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,615
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,589
−HK$2,003/mo
Today · 4.125%
HK$77,592
baseline
▲ 0.50% · 4.625%
HK$81,682
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,184/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,200
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,601
−HK$2,440/mo
Today · 4.125%
HK$82,041
baseline
▲ 0.50% · 4.625%
HK$87,033
+HK$4,992/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,082/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,884
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,187
−HK$2,337/mo
Today · 4.125%
HK$90,524
baseline
▲ 0.50% · 4.625%
HK$95,296
+HK$4,772/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,048/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,257
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,344
−HK$3,137/mo
Today · 4.125%
HK$105,481
baseline
▲ 0.50% · 4.625%
HK$111,899
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,962/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,422
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,384
−HK$3,004/mo
Today · 4.125%
HK$116,388
baseline
▲ 0.50% · 4.625%
HK$122,523
+HK$6,135/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,776/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,764 · Scale 2, in force from 26 Feb 2026)