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$53,869
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,545
−HK$1,702/mo
Today · 4.125%
HK$57,247
baseline
▲ 0.50% · 4.625%
HK$60,730
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,494/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,929
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,536
−HK$1,631/mo
Today · 4.125%
HK$63,167
baseline
▲ 0.50% · 4.625%
HK$66,496
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,334/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,643
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,654
−HK$2,043/mo
Today · 4.125%
HK$68,697
baseline
▲ 0.50% · 4.625%
HK$72,877
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,394/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,915
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,843
−HK$1,957/mo
Today · 4.125%
HK$75,800
baseline
▲ 0.50% · 4.625%
HK$79,795
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,600/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,417
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,763
−HK$2,383/mo
Today · 4.125%
HK$80,146
baseline
▲ 0.50% · 4.625%
HK$85,023
+HK$4,877/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,292/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,900
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,150
−HK$2,283/mo
Today · 4.125%
HK$88,433
baseline
▲ 0.50% · 4.625%
HK$93,095
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,866/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,964
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,980
−HK$3,065/mo
Today · 4.125%
HK$103,045
baseline
▲ 0.50% · 4.625%
HK$109,315
+HK$6,270/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,090/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,872
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,765
−HK$2,935/mo
Today · 4.125%
HK$113,700
baseline
▲ 0.50% · 4.625%
HK$119,693
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,400/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,026 · Scale 2, in force from 26 Feb 2026)