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$55,049
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,761
−HK$1,740/mo
Today · 4.125%
HK$58,501
baseline
▲ 0.50% · 4.625%
HK$62,061
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,002/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,242
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,884
−HK$1,666/mo
Today · 4.125%
HK$64,550
baseline
▲ 0.50% · 4.625%
HK$67,953
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,100/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,059
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,114
−HK$2,087/mo
Today · 4.125%
HK$70,201
baseline
▲ 0.50% · 4.625%
HK$74,473
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,402/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,490
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,461
−HK$1,999/mo
Today · 4.125%
HK$77,460
baseline
▲ 0.50% · 4.625%
HK$81,543
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,920/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,069
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,466
−HK$2,436/mo
Today · 4.125%
HK$81,902
baseline
▲ 0.50% · 4.625%
HK$86,885
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,804/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,738
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,038
−HK$2,332/mo
Today · 4.125%
HK$90,370
baseline
▲ 0.50% · 4.625%
HK$95,134
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,740/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,088
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,171
−HK$3,131/mo
Today · 4.125%
HK$105,302
baseline
▲ 0.50% · 4.625%
HK$111,709
+HK$6,407/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,604/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,235
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,191
−HK$2,999/mo
Today · 4.125%
HK$116,190
baseline
▲ 0.50% · 4.625%
HK$122,315
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,380/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,019 · Scale 2, in force from 26 Feb 2026)