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$55,125
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,839
−HK$1,742/mo
Today · 4.125%
HK$58,581
baseline
▲ 0.50% · 4.625%
HK$62,146
+HK$3,565/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,162/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,326
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,970
−HK$1,669/mo
Today · 4.125%
HK$64,639
baseline
▲ 0.50% · 4.625%
HK$68,046
+HK$3,407/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,278/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,150
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,207
−HK$2,091/mo
Today · 4.125%
HK$70,298
baseline
▲ 0.50% · 4.625%
HK$74,575
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,596/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,591
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,564
−HK$2,003/mo
Today · 4.125%
HK$77,567
baseline
▲ 0.50% · 4.625%
HK$81,655
+HK$4,088/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,134/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,174
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,575
−HK$2,439/mo
Today · 4.125%
HK$82,014
baseline
▲ 0.50% · 4.625%
HK$87,004
+HK$4,990/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$164,028/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,856
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,158
−HK$2,336/mo
Today · 4.125%
HK$90,494
baseline
▲ 0.50% · 4.625%
HK$95,264
+HK$4,770/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,988/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,224
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,311
−HK$3,135/mo
Today · 4.125%
HK$105,446
baseline
▲ 0.50% · 4.625%
HK$111,863
+HK$6,417/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,892/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,386
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,346
−HK$3,004/mo
Today · 4.125%
HK$116,350
baseline
▲ 0.50% · 4.625%
HK$122,483
+HK$6,133/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,700/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,427 · Scale 2, in force from 26 Feb 2026)