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$57,357
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,141
−HK$1,812/mo
Today · 4.125%
HK$60,953
baseline
▲ 0.50% · 4.625%
HK$64,662
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,906/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,809
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,520
−HK$1,736/mo
Today · 4.125%
HK$67,256
baseline
▲ 0.50% · 4.625%
HK$70,801
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,512/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,828
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,969
−HK$2,175/mo
Today · 4.125%
HK$73,144
baseline
▲ 0.50% · 4.625%
HK$77,595
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,288/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,570
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,624
−HK$2,083/mo
Today · 4.125%
HK$80,707
baseline
▲ 0.50% · 4.625%
HK$84,961
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,414/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,299
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,797
−HK$2,538/mo
Today · 4.125%
HK$85,335
baseline
▲ 0.50% · 4.625%
HK$90,527
+HK$5,192/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,670/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,332
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,728
−HK$2,430/mo
Today · 4.125%
HK$94,158
baseline
▲ 0.50% · 4.625%
HK$99,121
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,316/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,242
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,453
−HK$3,263/mo
Today · 4.125%
HK$109,716
baseline
▲ 0.50% · 4.625%
HK$116,392
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,432/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,855
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,936
−HK$3,125/mo
Today · 4.125%
HK$121,061
baseline
▲ 0.50% · 4.625%
HK$127,442
+HK$6,381/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,122/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,026 · Scale 2, in force from 26 Feb 2026)