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$55,094
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,808
−HK$1,741/mo
Today · 4.125%
HK$58,549
baseline
▲ 0.50% · 4.625%
HK$62,111
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,098/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,292
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,935
−HK$1,668/mo
Today · 4.125%
HK$64,603
baseline
▲ 0.50% · 4.625%
HK$68,008
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,206/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,113
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,169
−HK$2,090/mo
Today · 4.125%
HK$70,259
baseline
▲ 0.50% · 4.625%
HK$74,534
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,518/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,550
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,522
−HK$2,001/mo
Today · 4.125%
HK$77,523
baseline
▲ 0.50% · 4.625%
HK$81,610
+HK$4,087/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,046/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,132
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,531
−HK$2,437/mo
Today · 4.125%
HK$81,968
baseline
▲ 0.50% · 4.625%
HK$86,956
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,936/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,808
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,109
−HK$2,335/mo
Today · 4.125%
HK$90,444
baseline
▲ 0.50% · 4.625%
HK$95,212
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,888/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,169
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,254
−HK$3,134/mo
Today · 4.125%
HK$105,388
baseline
▲ 0.50% · 4.625%
HK$111,801
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,776/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,325
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,284
−HK$3,001/mo
Today · 4.125%
HK$116,285
baseline
▲ 0.50% · 4.625%
HK$122,415
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,570/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,857 · Scale 2, in force from 26 Feb 2026)