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$55,057
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,770
−HK$1,740/mo
Today · 4.125%
HK$58,510
baseline
▲ 0.50% · 4.625%
HK$62,070
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,020/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,251
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,894
−HK$1,666/mo
Today · 4.125%
HK$64,560
baseline
▲ 0.50% · 4.625%
HK$67,963
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,120/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,069
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,124
−HK$2,088/mo
Today · 4.125%
HK$70,212
baseline
▲ 0.50% · 4.625%
HK$74,484
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,424/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,501
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,472
−HK$2,000/mo
Today · 4.125%
HK$77,472
baseline
▲ 0.50% · 4.625%
HK$81,556
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,944/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,080
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,478
−HK$2,436/mo
Today · 4.125%
HK$81,914
baseline
▲ 0.50% · 4.625%
HK$86,898
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,828/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,751
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,051
−HK$2,333/mo
Today · 4.125%
HK$90,384
baseline
▲ 0.50% · 4.625%
HK$95,148
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,768/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,103
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,186
−HK$3,132/mo
Today · 4.125%
HK$105,318
baseline
▲ 0.50% · 4.625%
HK$111,726
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,636/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,251
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,208
−HK$3,000/mo
Today · 4.125%
HK$116,208
baseline
▲ 0.50% · 4.625%
HK$122,333
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,416/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,174 · Scale 2, in force from 26 Feb 2026)