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$55,099
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,813
−HK$1,742/mo
Today · 4.125%
HK$58,555
baseline
▲ 0.50% · 4.625%
HK$62,118
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,110/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,298
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,942
−HK$1,667/mo
Today · 4.125%
HK$64,609
baseline
▲ 0.50% · 4.625%
HK$68,015
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,218/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,119
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,176
−HK$2,090/mo
Today · 4.125%
HK$70,266
baseline
▲ 0.50% · 4.625%
HK$74,541
+HK$4,275/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,532/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,557
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,530
−HK$2,001/mo
Today · 4.125%
HK$77,531
baseline
▲ 0.50% · 4.625%
HK$81,618
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,062/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,139
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,539
−HK$2,438/mo
Today · 4.125%
HK$81,977
baseline
▲ 0.50% · 4.625%
HK$86,965
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,954/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,817
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,118
−HK$2,335/mo
Today · 4.125%
HK$90,453
baseline
▲ 0.50% · 4.625%
HK$95,221
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,906/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,179
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,264
−HK$3,134/mo
Today · 4.125%
HK$105,398
baseline
▲ 0.50% · 4.625%
HK$111,812
+HK$6,414/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,796/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,336
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,295
−HK$3,002/mo
Today · 4.125%
HK$116,297
baseline
▲ 0.50% · 4.625%
HK$122,427
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,594/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,959 · Scale 2, in force from 26 Feb 2026)