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$55,083
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,797
−HK$1,740/mo
Today · 4.125%
HK$58,537
baseline
▲ 0.50% · 4.625%
HK$62,099
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,074/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,280
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,923
−HK$1,667/mo
Today · 4.125%
HK$64,590
baseline
▲ 0.50% · 4.625%
HK$67,995
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,180/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,100
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,156
−HK$2,089/mo
Today · 4.125%
HK$70,245
baseline
▲ 0.50% · 4.625%
HK$74,519
+HK$4,274/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,490/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,536
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,508
−HK$2,000/mo
Today · 4.125%
HK$77,508
baseline
▲ 0.50% · 4.625%
HK$81,594
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$155,016/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,117
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,515
−HK$2,437/mo
Today · 4.125%
HK$81,952
baseline
▲ 0.50% · 4.625%
HK$86,939
+HK$4,987/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,904/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,791
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,092
−HK$2,334/mo
Today · 4.125%
HK$90,426
baseline
▲ 0.50% · 4.625%
HK$95,193
+HK$4,767/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,852/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,150
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,234
−HK$3,133/mo
Today · 4.125%
HK$105,367
baseline
▲ 0.50% · 4.625%
HK$111,779
+HK$6,412/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,734/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,303
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,262
−HK$3,001/mo
Today · 4.125%
HK$116,263
baseline
▲ 0.50% · 4.625%
HK$122,391
+HK$6,128/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,526/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,657 · Scale 2, in force from 26 Feb 2026)