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$55,146
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,862
−HK$1,742/mo
Today · 4.125%
HK$58,604
baseline
▲ 0.50% · 4.625%
HK$62,170
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,208/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,350
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,995
−HK$1,669/mo
Today · 4.125%
HK$64,664
baseline
▲ 0.50% · 4.625%
HK$68,073
+HK$3,409/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,328/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,176
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,234
−HK$2,091/mo
Today · 4.125%
HK$70,325
baseline
▲ 0.50% · 4.625%
HK$74,605
+HK$4,280/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,650/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,620
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,594
−HK$2,003/mo
Today · 4.125%
HK$77,597
baseline
▲ 0.50% · 4.625%
HK$81,687
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,194/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,205
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,606
−HK$2,440/mo
Today · 4.125%
HK$82,046
baseline
▲ 0.50% · 4.625%
HK$87,039
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,092/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,890
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,193
−HK$2,337/mo
Today · 4.125%
HK$90,530
baseline
▲ 0.50% · 4.625%
HK$95,302
+HK$4,772/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,060/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,263
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,351
−HK$3,137/mo
Today · 4.125%
HK$105,488
baseline
▲ 0.50% · 4.625%
HK$111,907
+HK$6,419/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$210,976/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,430
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,391
−HK$3,005/mo
Today · 4.125%
HK$116,396
baseline
▲ 0.50% · 4.625%
HK$122,531
+HK$6,135/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,792/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,832 · Scale 2, in force from 26 Feb 2026)