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$55,113
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,828
−HK$1,741/mo
Today · 4.125%
HK$58,569
baseline
▲ 0.50% · 4.625%
HK$62,133
+HK$3,564/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,138/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,313
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,957
−HK$1,668/mo
Today · 4.125%
HK$64,625
baseline
▲ 0.50% · 4.625%
HK$68,032
+HK$3,407/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,250/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,136
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,193
−HK$2,090/mo
Today · 4.125%
HK$70,283
baseline
▲ 0.50% · 4.625%
HK$74,560
+HK$4,277/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,566/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,575
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,549
−HK$2,002/mo
Today · 4.125%
HK$77,551
baseline
▲ 0.50% · 4.625%
HK$81,638
+HK$4,087/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,102/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,158
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,559
−HK$2,438/mo
Today · 4.125%
HK$81,997
baseline
▲ 0.50% · 4.625%
HK$86,986
+HK$4,989/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$163,994/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,838
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,140
−HK$2,336/mo
Today · 4.125%
HK$90,476
baseline
▲ 0.50% · 4.625%
HK$95,245
+HK$4,769/mo
Deposit HK$7.25M · loan HK$16.92M · min. income ≈ HK$180,952/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,204
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,290
−HK$3,135/mo
Today · 4.125%
HK$105,425
baseline
▲ 0.50% · 4.625%
HK$111,840
+HK$6,415/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,850/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,363
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,323
−HK$3,003/mo
Today · 4.125%
HK$116,326
baseline
▲ 0.50% · 4.625%
HK$122,457
+HK$6,131/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,652/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,027,214 · Scale 2, in force from 26 Feb 2026)