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$55,099
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,813
−HK$1,741/mo
Today · 4.125%
HK$58,554
baseline
▲ 0.50% · 4.625%
HK$62,117
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,108/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,297
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,941
−HK$1,668/mo
Today · 4.125%
HK$64,609
baseline
▲ 0.50% · 4.625%
HK$68,014
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,218/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,119
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,175
−HK$2,090/mo
Today · 4.125%
HK$70,265
baseline
▲ 0.50% · 4.625%
HK$74,540
+HK$4,275/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,530/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,556
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,529
−HK$2,001/mo
Today · 4.125%
HK$77,530
baseline
▲ 0.50% · 4.625%
HK$81,617
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,060/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,138
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,538
−HK$2,438/mo
Today · 4.125%
HK$81,976
baseline
▲ 0.50% · 4.625%
HK$86,964
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,952/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,816
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,117
−HK$2,335/mo
Today · 4.125%
HK$90,452
baseline
▲ 0.50% · 4.625%
HK$95,220
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,904/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,178
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,263
−HK$3,134/mo
Today · 4.125%
HK$105,397
baseline
▲ 0.50% · 4.625%
HK$111,810
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,794/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,334
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,294
−HK$3,001/mo
Today · 4.125%
HK$116,295
baseline
▲ 0.50% · 4.625%
HK$122,426
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,590/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,947 · Scale 2, in force from 26 Feb 2026)