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$54,998
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,708
−HK$1,739/mo
Today · 4.125%
HK$58,447
baseline
▲ 0.50% · 4.625%
HK$62,003
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,894/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,184
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,825
−HK$1,665/mo
Today · 4.125%
HK$64,490
baseline
▲ 0.50% · 4.625%
HK$67,889
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,980/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,997
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,050
−HK$2,086/mo
Today · 4.125%
HK$70,136
baseline
▲ 0.50% · 4.625%
HK$74,403
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,272/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,421
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$1,998/mo
Today · 4.125%
HK$77,388
baseline
▲ 0.50% · 4.625%
HK$81,467
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,776/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,997
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,392
−HK$2,433/mo
Today · 4.125%
HK$81,825
baseline
▲ 0.50% · 4.625%
HK$86,804
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,650/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,658
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,955
−HK$2,331/mo
Today · 4.125%
HK$90,286
baseline
▲ 0.50% · 4.625%
HK$95,045
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,572/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,996
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,075
−HK$3,129/mo
Today · 4.125%
HK$105,204
baseline
▲ 0.50% · 4.625%
HK$111,605
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,408/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,132
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,086
−HK$2,996/mo
Today · 4.125%
HK$116,082
baseline
▲ 0.50% · 4.625%
HK$122,201
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,164/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,061 · Scale 2, in force from 26 Feb 2026)