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$55,124
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,838
−HK$1,742/mo
Today · 4.125%
HK$58,580
baseline
▲ 0.50% · 4.625%
HK$62,145
+HK$3,565/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,160/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,324
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,969
−HK$1,669/mo
Today · 4.125%
HK$64,638
baseline
▲ 0.50% · 4.625%
HK$68,045
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,276/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,148
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,206
−HK$2,090/mo
Today · 4.125%
HK$70,296
baseline
▲ 0.50% · 4.625%
HK$74,574
+HK$4,278/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,592/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,589
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,563
−HK$2,002/mo
Today · 4.125%
HK$77,565
baseline
▲ 0.50% · 4.625%
HK$81,654
+HK$4,089/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,130/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,173
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,573
−HK$2,439/mo
Today · 4.125%
HK$82,012
baseline
▲ 0.50% · 4.625%
HK$87,003
+HK$4,991/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,024/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,854
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,157
−HK$2,336/mo
Today · 4.125%
HK$90,493
baseline
▲ 0.50% · 4.625%
HK$95,263
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,986/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,222
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,309
−HK$3,135/mo
Today · 4.125%
HK$105,444
baseline
▲ 0.50% · 4.625%
HK$111,860
+HK$6,416/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,888/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,384
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,344
−HK$3,004/mo
Today · 4.125%
HK$116,348
baseline
▲ 0.50% · 4.625%
HK$122,480
+HK$6,132/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,696/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,406 · Scale 2, in force from 26 Feb 2026)