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$55,133
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,848
−HK$1,743/mo
Today · 4.125%
HK$58,591
baseline
▲ 0.50% · 4.625%
HK$62,156
+HK$3,565/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,182/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,335
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,980
−HK$1,669/mo
Today · 4.125%
HK$64,649
baseline
▲ 0.50% · 4.625%
HK$68,057
+HK$3,408/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,298/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,160
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,218
−HK$2,091/mo
Today · 4.125%
HK$70,309
baseline
▲ 0.50% · 4.625%
HK$74,587
+HK$4,278/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$140,618/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,602
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,576
−HK$2,003/mo
Today · 4.125%
HK$77,579
baseline
▲ 0.50% · 4.625%
HK$81,668
+HK$4,089/mo
Deposit HK$9.67M · loan HK$14.51M · min. income ≈ HK$155,158/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,187
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,588
−HK$2,439/mo
Today · 4.125%
HK$82,027
baseline
▲ 0.50% · 4.625%
HK$87,018
+HK$4,991/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$164,054/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,870
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,173
−HK$2,336/mo
Today · 4.125%
HK$90,509
baseline
▲ 0.50% · 4.625%
HK$95,280
+HK$4,771/mo
Deposit HK$7.25M · loan HK$16.93M · min. income ≈ HK$181,018/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,240
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,327
−HK$3,136/mo
Today · 4.125%
HK$105,463
baseline
▲ 0.50% · 4.625%
HK$111,881
+HK$6,418/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$210,926/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,404
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,365
−HK$3,003/mo
Today · 4.125%
HK$116,368
baseline
▲ 0.50% · 4.625%
HK$122,502
+HK$6,134/mo
Deposit HK$2.42M · loan HK$21.76M · min. income ≈ HK$232,736/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,027,591 · Scale 2, in force from 26 Feb 2026)