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$55,077
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,791
−HK$1,740/mo
Today · 4.125%
HK$58,531
baseline
▲ 0.50% · 4.625%
HK$62,093
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,062/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,273
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,916
−HK$1,667/mo
Today · 4.125%
HK$64,583
baseline
▲ 0.50% · 4.625%
HK$67,988
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,166/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,093
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,149
−HK$2,088/mo
Today · 4.125%
HK$70,237
baseline
▲ 0.50% · 4.625%
HK$74,511
+HK$4,274/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,474/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,528
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,500
−HK$2,000/mo
Today · 4.125%
HK$77,500
baseline
▲ 0.50% · 4.625%
HK$81,585
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$155,000/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,108
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,507
−HK$2,437/mo
Today · 4.125%
HK$81,944
baseline
▲ 0.50% · 4.625%
HK$86,930
+HK$4,986/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,888/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,782
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,083
−HK$2,334/mo
Today · 4.125%
HK$90,417
baseline
▲ 0.50% · 4.625%
HK$95,183
+HK$4,766/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,834/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,139
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,223
−HK$3,133/mo
Today · 4.125%
HK$105,356
baseline
▲ 0.50% · 4.625%
HK$111,767
+HK$6,411/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,712/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,291
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,249
−HK$3,001/mo
Today · 4.125%
HK$116,250
baseline
▲ 0.50% · 4.625%
HK$122,378
+HK$6,128/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,500/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,547 · Scale 2, in force from 26 Feb 2026)