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$55,142
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,858
−HK$1,742/mo
Today · 4.125%
HK$58,600
baseline
▲ 0.50% · 4.625%
HK$62,166
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,200/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,345
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,991
−HK$1,669/mo
Today · 4.125%
HK$64,660
baseline
▲ 0.50% · 4.625%
HK$68,068
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,320/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,171
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,229
−HK$2,091/mo
Today · 4.125%
HK$70,320
baseline
▲ 0.50% · 4.625%
HK$74,599
+HK$4,279/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,640/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,614
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,589
−HK$2,003/mo
Today · 4.125%
HK$77,592
baseline
▲ 0.50% · 4.625%
HK$81,682
+HK$4,090/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,184/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,199
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,601
−HK$2,439/mo
Today · 4.125%
HK$82,040
baseline
▲ 0.50% · 4.625%
HK$87,032
+HK$4,992/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,080/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,883
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,187
−HK$2,337/mo
Today · 4.125%
HK$90,524
baseline
▲ 0.50% · 4.625%
HK$95,295
+HK$4,771/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,048/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,256
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,344
−HK$3,137/mo
Today · 4.125%
HK$105,481
baseline
▲ 0.50% · 4.625%
HK$111,899
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,962/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,422
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,383
−HK$3,004/mo
Today · 4.125%
HK$116,387
baseline
▲ 0.50% · 4.625%
HK$122,522
+HK$6,135/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,774/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,758 · Scale 2, in force from 26 Feb 2026)