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$55,039
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,752
−HK$1,739/mo
Today · 4.125%
HK$58,491
baseline
▲ 0.50% · 4.625%
HK$62,050
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,982/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,231
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,873
−HK$1,666/mo
Today · 4.125%
HK$64,539
baseline
▲ 0.50% · 4.625%
HK$67,941
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,078/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,047
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,102
−HK$2,087/mo
Today · 4.125%
HK$70,189
baseline
▲ 0.50% · 4.625%
HK$74,460
+HK$4,271/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,378/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,477
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,448
−HK$1,999/mo
Today · 4.125%
HK$77,447
baseline
▲ 0.50% · 4.625%
HK$81,529
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,894/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,055
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,452
−HK$2,435/mo
Today · 4.125%
HK$81,887
baseline
▲ 0.50% · 4.625%
HK$86,870
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,774/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,723
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,022
−HK$2,333/mo
Today · 4.125%
HK$90,355
baseline
▲ 0.50% · 4.625%
HK$95,117
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,710/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,071
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,153
−HK$3,131/mo
Today · 4.125%
HK$105,284
baseline
▲ 0.50% · 4.625%
HK$111,690
+HK$6,406/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,568/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,216
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,171
−HK$2,999/mo
Today · 4.125%
HK$116,170
baseline
▲ 0.50% · 4.625%
HK$122,294
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,340/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,840 · Scale 2, in force from 26 Feb 2026)