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$55,120
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,835
−HK$1,742/mo
Today · 4.125%
HK$58,577
baseline
▲ 0.50% · 4.625%
HK$62,141
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,154/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,321
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,965
−HK$1,669/mo
Today · 4.125%
HK$64,634
baseline
▲ 0.50% · 4.625%
HK$68,041
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,268/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,144
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,202
−HK$2,090/mo
Today · 4.125%
HK$70,292
baseline
▲ 0.50% · 4.625%
HK$74,569
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,584/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,585
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,558
−HK$2,003/mo
Today · 4.125%
HK$77,561
baseline
▲ 0.50% · 4.625%
HK$81,649
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,122/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,168
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,569
−HK$2,439/mo
Today · 4.125%
HK$82,008
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,016/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,849
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,152
−HK$2,335/mo
Today · 4.125%
HK$90,487
baseline
▲ 0.50% · 4.625%
HK$95,257
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,974/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,217
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,303
−HK$3,135/mo
Today · 4.125%
HK$105,438
baseline
▲ 0.50% · 4.625%
HK$111,854
+HK$6,416/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,876/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,377
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,338
−HK$3,003/mo
Today · 4.125%
HK$116,341
baseline
▲ 0.50% · 4.625%
HK$122,473
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,682/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,347 · Scale 2, in force from 26 Feb 2026)