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$55,028
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,740
−HK$1,739/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$62,037
+HK$3,558/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$1,025,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,218
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,860
−HK$1,665/mo
Today · 4.125%
HK$64,525
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,050/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,033
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,087
−HK$2,087/mo
Today · 4.125%
HK$70,174
baseline
▲ 0.50% · 4.625%
HK$74,444
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,348/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,462
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,432
−HK$1,998/mo
Today · 4.125%
HK$77,430
baseline
▲ 0.50% · 4.625%
HK$81,512
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,860/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,039
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,435
−HK$2,435/mo
Today · 4.125%
HK$81,870
baseline
▲ 0.50% · 4.625%
HK$86,852
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,740/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,705
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,004
−HK$2,331/mo
Today · 4.125%
HK$90,335
baseline
▲ 0.50% · 4.625%
HK$95,097
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,670/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,050
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,131
−HK$3,130/mo
Today · 4.125%
HK$105,261
baseline
▲ 0.50% · 4.625%
HK$111,666
+HK$6,405/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,522/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,192
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,148
−HK$2,998/mo
Today · 4.125%
HK$116,146
baseline
▲ 0.50% · 4.625%
HK$122,268
+HK$6,122/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,292/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,624 · Scale 2, in force from 26 Feb 2026)