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$55,088
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,802
−HK$1,741/mo
Today · 4.125%
HK$58,543
baseline
▲ 0.50% · 4.625%
HK$62,105
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,086/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,285
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,929
−HK$1,667/mo
Today · 4.125%
HK$64,596
baseline
▲ 0.50% · 4.625%
HK$68,001
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,192/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,106
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,162
−HK$2,089/mo
Today · 4.125%
HK$70,251
baseline
▲ 0.50% · 4.625%
HK$74,526
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,502/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,542
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,514
−HK$2,001/mo
Today · 4.125%
HK$77,515
baseline
▲ 0.50% · 4.625%
HK$81,601
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,030/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,123
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,522
−HK$2,438/mo
Today · 4.125%
HK$81,960
baseline
▲ 0.50% · 4.625%
HK$86,947
+HK$4,987/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,920/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,799
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,100
−HK$2,334/mo
Today · 4.125%
HK$90,434
baseline
▲ 0.50% · 4.625%
HK$95,201
+HK$4,767/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,868/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,159
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,243
−HK$3,134/mo
Today · 4.125%
HK$105,377
baseline
▲ 0.50% · 4.625%
HK$111,789
+HK$6,412/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,754/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,313
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,271
−HK$3,002/mo
Today · 4.125%
HK$116,273
baseline
▲ 0.50% · 4.625%
HK$122,402
+HK$6,129/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,546/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,747 · Scale 2, in force from 26 Feb 2026)