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$55,061
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,774
−HK$1,740/mo
Today · 4.125%
HK$58,514
baseline
▲ 0.50% · 4.625%
HK$62,075
+HK$3,561/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,028/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,255
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,898
−HK$1,667/mo
Today · 4.125%
HK$64,565
baseline
▲ 0.50% · 4.625%
HK$67,968
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,130/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,074
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,129
−HK$2,088/mo
Today · 4.125%
HK$70,217
baseline
▲ 0.50% · 4.625%
HK$74,490
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,434/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,506
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,478
−HK$2,000/mo
Today · 4.125%
HK$77,478
baseline
▲ 0.50% · 4.625%
HK$81,562
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,956/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,086
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,436/mo
Today · 4.125%
HK$81,920
baseline
▲ 0.50% · 4.625%
HK$86,905
+HK$4,985/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,840/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,757
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,057
−HK$2,334/mo
Today · 4.125%
HK$90,391
baseline
▲ 0.50% · 4.625%
HK$95,155
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,782/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,111
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,194
−HK$3,132/mo
Today · 4.125%
HK$105,326
baseline
▲ 0.50% · 4.625%
HK$111,735
+HK$6,409/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,652/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,260
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,217
−HK$3,000/mo
Today · 4.125%
HK$116,217
baseline
▲ 0.50% · 4.625%
HK$122,343
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,434/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,251 · Scale 2, in force from 26 Feb 2026)