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$55,102
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,816
−HK$1,741/mo
Today · 4.125%
HK$58,557
baseline
▲ 0.50% · 4.625%
HK$62,120
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,114/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,300
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,944
−HK$1,668/mo
Today · 4.125%
HK$64,612
baseline
▲ 0.50% · 4.625%
HK$68,018
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,224/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,122
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,179
−HK$2,089/mo
Today · 4.125%
HK$70,268
baseline
▲ 0.50% · 4.625%
HK$74,544
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,536/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,560
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,533
−HK$2,001/mo
Today · 4.125%
HK$77,534
baseline
▲ 0.50% · 4.625%
HK$81,621
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,068/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,142
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,542
−HK$2,438/mo
Today · 4.125%
HK$81,980
baseline
▲ 0.50% · 4.625%
HK$86,968
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,960/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,820
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,122
−HK$2,335/mo
Today · 4.125%
HK$90,457
baseline
▲ 0.50% · 4.625%
HK$95,225
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,914/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,183
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,268
−HK$3,135/mo
Today · 4.125%
HK$105,403
baseline
▲ 0.50% · 4.625%
HK$111,816
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,806/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,340
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,299
−HK$3,002/mo
Today · 4.125%
HK$116,301
baseline
▲ 0.50% · 4.625%
HK$122,432
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,602/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,999 · Scale 2, in force from 26 Feb 2026)