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$55,154
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,869
−HK$1,743/mo
Today · 4.125%
HK$58,612
baseline
▲ 0.50% · 4.625%
HK$62,179
+HK$3,567/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,224/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,358
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,003
−HK$1,670/mo
Today · 4.125%
HK$64,673
baseline
▲ 0.50% · 4.625%
HK$68,082
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,346/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,184
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,243
−HK$2,092/mo
Today · 4.125%
HK$70,335
baseline
▲ 0.50% · 4.625%
HK$74,614
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,670/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,629
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,604
−HK$2,003/mo
Today · 4.125%
HK$77,607
baseline
▲ 0.50% · 4.625%
HK$81,698
+HK$4,091/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,214/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,215
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,617
−HK$2,440/mo
Today · 4.125%
HK$82,057
baseline
▲ 0.50% · 4.625%
HK$87,050
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,114/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,901
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,205
−HK$2,337/mo
Today · 4.125%
HK$90,542
baseline
▲ 0.50% · 4.625%
HK$95,315
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,084/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,276
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,365
−HK$3,137/mo
Today · 4.125%
HK$105,502
baseline
▲ 0.50% · 4.625%
HK$111,922
+HK$6,420/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,004/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,444
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,406
−HK$3,005/mo
Today · 4.125%
HK$116,411
baseline
▲ 0.50% · 4.625%
HK$122,547
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,822/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,967 · Scale 2, in force from 26 Feb 2026)