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$55,116
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,830
−HK$1,742/mo
Today · 4.125%
HK$58,572
baseline
▲ 0.50% · 4.625%
HK$62,136
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,144/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,315
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,960
−HK$1,668/mo
Today · 4.125%
HK$64,628
baseline
▲ 0.50% · 4.625%
HK$68,035
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,256/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,139
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,196
−HK$2,090/mo
Today · 4.125%
HK$70,286
baseline
▲ 0.50% · 4.625%
HK$74,563
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,572/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,579
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,552
−HK$2,002/mo
Today · 4.125%
HK$77,554
baseline
▲ 0.50% · 4.625%
HK$81,642
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,108/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,162
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,562
−HK$2,438/mo
Today · 4.125%
HK$82,000
baseline
▲ 0.50% · 4.625%
HK$86,990
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,000/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,842
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,144
−HK$2,335/mo
Today · 4.125%
HK$90,479
baseline
▲ 0.50% · 4.625%
HK$95,249
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,958/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,208
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,294
−HK$3,135/mo
Today · 4.125%
HK$105,429
baseline
▲ 0.50% · 4.625%
HK$111,844
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,858/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,368
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,328
−HK$3,003/mo
Today · 4.125%
HK$116,331
baseline
▲ 0.50% · 4.625%
HK$122,463
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,662/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,258 · Scale 2, in force from 26 Feb 2026)