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$55,029
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,740
−HK$1,739/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$62,038
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,958/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,219
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,861
−HK$1,665/mo
Today · 4.125%
HK$64,526
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,052/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,034
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,088
−HK$2,087/mo
Today · 4.125%
HK$70,175
baseline
▲ 0.50% · 4.625%
HK$74,445
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,350/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,463
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,433
−HK$1,999/mo
Today · 4.125%
HK$77,432
baseline
▲ 0.50% · 4.625%
HK$81,513
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,864/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,040
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,437
−HK$2,434/mo
Today · 4.125%
HK$81,871
baseline
▲ 0.50% · 4.625%
HK$86,853
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,742/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,706
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,005
−HK$2,332/mo
Today · 4.125%
HK$90,337
baseline
▲ 0.50% · 4.625%
HK$95,099
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,674/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,052
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,133
−HK$3,130/mo
Today · 4.125%
HK$105,263
baseline
▲ 0.50% · 4.625%
HK$111,668
+HK$6,405/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,526/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,194
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,149
−HK$2,998/mo
Today · 4.125%
HK$116,147
baseline
▲ 0.50% · 4.625%
HK$122,270
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,294/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,639 · Scale 2, in force from 26 Feb 2026)