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$55,009
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,720
−HK$1,738/mo
Today · 4.125%
HK$58,458
baseline
▲ 0.50% · 4.625%
HK$62,016
+HK$3,558/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,916/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,197
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,838
−HK$1,665/mo
Today · 4.125%
HK$64,503
baseline
▲ 0.50% · 4.625%
HK$67,903
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,006/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,011
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,064
−HK$2,086/mo
Today · 4.125%
HK$70,150
baseline
▲ 0.50% · 4.625%
HK$74,419
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,300/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,436
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,406
−HK$1,998/mo
Today · 4.125%
HK$77,404
baseline
▲ 0.50% · 4.625%
HK$81,484
+HK$4,080/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,808/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,013
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,408
−HK$2,434/mo
Today · 4.125%
HK$81,842
baseline
▲ 0.50% · 4.625%
HK$86,822
+HK$4,980/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,684/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,676
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,973
−HK$2,331/mo
Today · 4.125%
HK$90,304
baseline
▲ 0.50% · 4.625%
HK$95,065
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,608/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,016
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,096
−HK$3,129/mo
Today · 4.125%
HK$105,225
baseline
▲ 0.50% · 4.625%
HK$111,628
+HK$6,403/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,450/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,154
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,109
−HK$2,997/mo
Today · 4.125%
HK$116,106
baseline
▲ 0.50% · 4.625%
HK$122,226
+HK$6,120/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,212/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,271 · Scale 2, in force from 26 Feb 2026)