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$55,115
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,829
−HK$1,742/mo
Today · 4.125%
HK$58,571
baseline
▲ 0.50% · 4.625%
HK$62,135
+HK$3,564/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,142/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,314
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,959
−HK$1,668/mo
Today · 4.125%
HK$64,627
baseline
▲ 0.50% · 4.625%
HK$68,034
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,254/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,137
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,195
−HK$2,090/mo
Today · 4.125%
HK$70,285
baseline
▲ 0.50% · 4.625%
HK$74,562
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,570/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,577
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,551
−HK$2,001/mo
Today · 4.125%
HK$77,552
baseline
▲ 0.50% · 4.625%
HK$81,640
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,104/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,160
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,560
−HK$2,439/mo
Today · 4.125%
HK$81,999
baseline
▲ 0.50% · 4.625%
HK$86,988
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,998/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,840
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,142
−HK$2,336/mo
Today · 4.125%
HK$90,478
baseline
▲ 0.50% · 4.625%
HK$95,247
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,956/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,206
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,292
−HK$3,135/mo
Today · 4.125%
HK$105,427
baseline
▲ 0.50% · 4.625%
HK$111,842
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,854/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,366
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,326
−HK$3,003/mo
Today · 4.125%
HK$116,329
baseline
▲ 0.50% · 4.625%
HK$122,460
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,658/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,239 · Scale 2, in force from 26 Feb 2026)